Worker’s Comp insurance. What a sore subject for employers. Despite the State of Florida’s average annual premium reduction of 10% under the Florida Worker’s Compensation Joint Underwriters Association (FWCJUA), employers must still contend with coverage problems. Some businesses are classified as high-risk, others are too small for most insurance agents to give them the time of day, and still yet, others run multi-state operations and have trouble acquiring coverage under varying state laws. There is a way out of the confusion and frustration for the vast majority of companies, even those with only one to three employees. Mike Martin, General Manager of Payroll Consultants Group, located at 710 Oakfield Drive, Suite 102 in Brandon, said Workers Comp costs can be cut by as much as 70% under their employee leasing negotiations programs that serve both singlesite and multi-state companies. The firm has successfully saved 300 companies from either highcost worker’s comp insurance, or business shut-downs under its five year-old Work Comp Co-Op. “We were really happy to help an underground utility construction firm recently, that despite its excellent safety record, was refused coverage until he contacted us in dire need of help. We saved him $27,000 in annual premiums compared to his last policy, and we’re pleased to say that he drove 65 miles to thank us in person,” Martin said. Martin explained that the key to the Work Comp Co-Op’s success is that it is a payroll service structured under an employee leasing program, where volume drives down the cost. To aid multi-state operations, Payroll Managers was opened three months ago under Payroll Consultants Group. Chasity Baldwin, Director of Operations for both Work Comp programs, explained that the new service is structured the same as the Work Comp Co-0p, but offers ease in securing affordable worker’s compensation insurance despite varying State laws that can be inconsistent in rates charged, and in establishing a risk classification. Many insurance companies can’t offer affordable multi-state coverage, or don’t want one to three-person operations. Payroll Managers works for single site or multi-state operations that are doing business in any of 31 states where the service is available. Under this program, clients can opt for their payroll processing to be done through Payroll Consultants Group’s main office, or they can prepare their own paychecks at their location of choice. “It’s rare to find an employee leasing or PEO firm that will offer employers the right to process their own paychecks,” Chasity said. Payroll Consultants Group negotiates employee leasing arrangements for employers at no cost. It also provides standalone insurance policies. Frank VanDeBoe, President, explained that the consulting firm is designed to service one to three-person operations, as well as large multistate corporations, and low-risk as well as high-risk companies. It maintains a network of nearly 100 employee leasing, insurance, tax, accounting and legal experts to develop the best solutions for its clients. For more information, call the firm at (813) 684-5684 for a nocost consultation.