Workers' Comp
Stop paying the solo rate for workers' comp.
A company of 40 buys workers' comp alone and pays a solo rate. Join a group of thousands and you pay the group rate. We put you in the group and handle the filings. The provider pays our fee. You never get a bill from us.
How the group rate works
Big groups pay less
You are judged on your own record
You are judged on your own record
Big companies pay less for workers' comp. They have more payroll to spread the risk over. A professional employer organization, or PEO, lets a smaller company join that bigger pool. You keep running your business. Your workers' comp, payroll, and HR run through the provider.
You are judged on your own record
You are judged on your own record
You are judged on your own record
Your rate comes from your claims, your class codes, and your payroll. You are not on the hook for another company's claims, and they are not on the hook for yours.
One provider. One bill.
You are judged on your own record
One provider. One bill.
The same people who run the group also run your payroll and HR. One provider. One bill, from them. None from us.
What we do, and what we don't
We are not an insurance agent
We find the providers that fit your company
We find the providers that fit your company
We don't sell policies and we are not licensed to. The provider holds the policy.
We find the providers that fit your company
We find the providers that fit your company
We find the providers that fit your company
Then we put two or three side by side so you see real numbers before you commit. Many of the best ones you would never find on Google.
What it costs you
We find the providers that fit your company
Built for high-risk work
Nothing. The provider you pick pays our fee. We don't bill by the hour and we don't take a retainer. If none of the options beats what you have, we tell you, and you keep what you have.
Built for high-risk work
Built for high-risk work
Built for high-risk work
Trucking, construction, manufacturing, and any company where people get hurt and premiums run high. If your rate is high, your mod is climbing, or you got pushed into the assigned-risk pool, we can help.
Who handles claims
Built for high-risk work
Veteran-owned. 25 years.
The provider's claims team. When someone gets hurt, you call them and they take it from there. We set up the relationship. They run the claims.
Veteran-owned. 25 years.
Built for high-risk work
Veteran-owned. 25 years.
Offices in Illinois, Arizona, Michigan, New Jersey, and Tennessee. Call (888) 464-3066 or email letsgo@thestkgroup.com. A person gets back to you within one business day.
The process
1. Intake
1. Intake
1. Intake
We meet and find where you're losing time and money. You send us your loss runs and payroll by class code.
2. Review
1. Intake
1. Intake
We compare what you pay now to what the big groups charge. Rate, rules, gaps.
3. Options
3. Options
3. Options
You see the providers side by side, with real numbers, before you commit to anything.
4. Switch
3. Options
3. Options
You pick one. We move you over. Their team runs it from the first payroll on.
Questions we hear a lot
Call (888) 464-3066 or email letsgo@thestkgroup.com if your question isn't here. A person gets back to you within one business day.
No. The provider holds the workers' comp policy. Your company is covered under it as a co-employer. We set that up. We don't sell it.
No. You hire, fire, set pay, and run the day to day. The provider handles the paperwork behind it.
Often, yes. It depends on your record. We look at your file and tell you either way.
We handle the move. You and the provider set the start date, and their team runs it from the first payroll on.
The provider pays us. You never get a bill from us.