A Professional Employer Organization (PEO) is a company that partners with businesses through a co-employment arrangement to provide outsourced HR services including payroll processing, employee benefits, workers' compensation, and compliance support. FrankCrum is an IRS-Certified PEO serving businesses across the United States.

What is co-employment?

Co-employment is a shared employment arrangement in which the client company retains control over day-to-day work while the PEO — like FrankCrum — assumes responsibility for payroll administration, HR support, benefits administration, and certain compliance obligations.

What payroll services does FrankCrum offer?

FrankCrum provides full-service payroll processing, payroll tax filing, certified payroll, direct deposit, W-2 and 1099 preparation, and wage garnishment support for businesses of all sizes.

How does FrankCrum handle workers' compensation?

FrankCrum provides workers' compensation coverage through its affiliated carrier, Frank Winston Crum Insurance. Services include claims management, risk management, safety consulting, and Experience Modification Rate (EMR) management to help keep premiums low.

What employee benefits does FrankCrum provide?

Through FrankCrum's Master Health Plan, worksite employees gain access to large-group health insurance rates along with dental, vision, life insurance, 401(k) plans, and full benefits administration including COBRA support.

What is the difference between a PEO and an Employer of Record?

A PEO enters a co-employment relationship where the client company remains the employer of record for most purposes and retains operational control. An Employer of Record (EOR) becomes the legal employer of workers, which is typically used for hiring in new states or countries without establishing a legal entity.

What is the difference between a PEO and an ASO?

A PEO uses a co-employment model, meaning the PEO is a co-employer and provides its own benefits and workers' compensation. An Administrative Services Organization (ASO) provides HR administrative support without co-employment — the client retains all employer responsibilities and maintains their own benefits and insurance.

Is FrankCrum an IRS-Certified PEO?

Yes. FrankCrum is a Certified Professional Employer Organization (CPEO) as designated by the IRS, and is also ESAC-accredited — two of the highest standards of financial reliability and operational compliance in the PEO industry.

Does FrankCrum require a large down payment for workers' comp?

No. Instead of the large upfront installments common with standalone workers' comp policies, FrankCrum uses a pay-as-you-go model where premiums are calculated from your actual payroll each period. This eliminates the need for a large deposit and removes surprise year-end audits.

What does workers' compensation insurance cover?

Workers' compensation covers medical expenses for job-related injuries or illnesses, a portion of lost wages while an employee recovers, disability benefits for temporary or permanent impairment, death benefits for fatal workplace incidents, and legal protection that limits employer liability for many workplace injury lawsuits.

How does FrankCrum's workers' comp differ from a standalone policy?

Unlike standalone policies, FrankCrum's PEO solution requires no large down payment (vs. $5,000–$15,000+ upfront), uses pay-as-you-go billing instead of annual estimates, eliminates year-end audits, includes full claims management and HR support, covers safety programs at no extra cost, provides instant 24/7 certificate access, and handles OSHA filings on your behalf.

What is the FrankCrum advantage of owning an affiliated carrier?

Most PEOs use third-party carriers. FrankCrum owns its affiliated AM Best-rated carrier, Frank Winston Crum Insurance, which means broader industry eligibility including construction and trades, no third-party fees, faster claims processing with direct carrier access, better rates through a large insurance pool, and one company handling payroll, HR, and workers' comp together.

Workers' Comp Coverage & Claims Support

Why Choose a PEO for Workers' Compensation?

One Stop Shop

Handle workers' comp, payroll, and HR all in one place instead of juggling multiple vendors and headaches.

Fewer Claims, Fewer Problems

Get expert safety training and compliance help that prevents accidents before they happen, not just paperwork after the fact.

Better Rates Through Strength in Numbers

Stop overpaying for standalone coverage—PEOs bundle workers together to negotiate rates that small businesses can't get on their own.

No Surprises, No Big Bills Up Front

Pay-as-you-go based on your actual payroll each period, so there's no huge deposit and no shock audit bill at year-end messing with your cash flow.

Most PEOs exclusively use third-party insurance carriers. At FrankCrum, we own our AM Best-rated carrier, Frank Winston Crum Insurance. This means:

Coverage for a wide range of industries, including construction and trades
No third-party fees eating into your budget
Faster claims processing with direct carrier access
Better rates through our large insurance pool
Simplified compliance—we handle state filings and OSHA requirements
One company for payroll, HR, and workers' comp

In addition to Frank Winston Crum Insurance, we also have an alternative partner carrier to ensure access to a full range of coverage options and underwriting appetites.

Why a PEO Beats a Standalone Policy

What You Get	Standalone WC Policy	FrankCrum PEO
Down Payment	$5,000–$15,000+	$0
Year-End Audit	Yes (often expensive)	No
Premium Billing	Annual estimate	Pay-as-you-go with payroll
Claims Support	Limited	Full management + HR support
Safety Programs	Extra Cost	Included
Certificate Access	Call your agent	Instant 24/7 online
OSHA Filing	You handle it	We handle it

WC3

Coverage & Billing

Multi-state coverage: We handle workers' comp across state lines
Pay-as-you-go premiums: No huge upfront costs or surprise audits
Real-time payroll integration: Premiums based on actual wages, not estimates

Claims Management

24/7 claims reporting: Report incidents any time, day or night
Dedicated claims support: We manage the entire process from report to closure
Return-to-work programs: Get injured employees back safely and quickly
Fraud investigation: Protect your business from false claims
Nationwide provider network: Fast access to quality medical care

Safety & Compliance

Industry-specific safety programs: Guidance tailored to your business
Optional safety inspections: Identify and eliminate workplace hazards
OSHA 300 reporting: We prepare and file reports on your behalf
Safety resource library: Training materials and best practices for risk management
Post-accident drug testing: Protocols to keep your workplace safe

Tools & Support

Self-service certificate downloads: Generate COIs instantly
Loss analysis and claims review: Understand trends and reduce future claims
Notice of injury filing: We handle the required documentation

Easy Workers' Comp Certificates for Your Business

As a contractor or business owner, you know the drill: You land a project, but before you can start work, the general contractor or property owner needs your certificate of insurance. With most carriers, that means phone calls, waiting days, or scrambling to reach your agent.

Not with FrankCrum. Our MyFrankCrum platform lets you generate and send workers' comp certificates in minutes for Frank Winston Crum Insurance policies. Here's how it works:

Fast access to certificates 24/7
Generate and email certificates from any device
View all certificates from your current policy year
Renew certificates that span policy years automatically
You're backed by a service team ready to handle special waivers or customer verbiage

Why does this matter? When a general contractor calls at 4:45 p.m. on Friday asking for a certificate before Monday's job start, you're covered. No waiting. No stress. No lost opportunities.

Get Started with Workers' Compensation from FrankCrum

Stop worrying about high workers' comp costs, denied coverage, or missing out on contracts because you can't get a certificate fast enough.

FrankCrum's PEO solution gives you affordable workers' compensation coverage plus the payroll, HR, and compliance support you need to run your business confidently.

Ready to save money and simplify your workers' comp?

Request Your Free Quote Today

Can I generate my own workers' comp certificates instantly?

Yes. Once you're running payroll with FrankCrum PEO and have a workers' comp policy through Frank Winston Crum Insurance, you can generate and send workers' comp certificates instantly through our MyFrankCrum platform, any time, from any device.

Does FrankCrum provide multi-state workers' comp coverage?

Yes. We handle workers' comp coverage across multiple states, managing all state-specific filings, compliance requirements, and premium calculations automatically. You get one streamlined solution regardless of where your employees work.

Do I need workers' compensation insurance?

In most states, yes. Workers' comp requirements vary by state, but most require coverage once you hire a certain number of employees (often just one or two). Even if you're technically exempt, workers' comp is a smart investment. A single workplace injury can costs tens of thousands of dollars in medical bills and lost wages. Without coverage, you are personally liable.

What is pay-as-you-go workers' comp billing?

With pay-as-you-go billing, your workers' comp premiums are calculated based on your actual payroll each pay period, not estimated annual wages. This means no large down payments to start coverage, no year-end audits with surprise bills, better cash flow management, and automatic adjustments as your workforce grows or shrinks.

What happens if an employee gets injured on the job?

If an employee is injured on the job, you can report the claim, 24/7, through our system. We connect injured workers with our nationwide provider network, handle all paperwork and compliance requirements, and manage the entire claims process from report to closure. Our team also provides return-to-work support to help employees transition back safely, keeping you informed throughout the process.

Does FrankCrum cover high-risk industries like construction and trades?

Yes. Our affiliated carrier, Frank Winston Crum Insurance, is known for insuring construction, roofing, landscaping, electrical, and other trades. We understand your industry, and we're happy to consider your risk.

Workers' Compensation Insurance, Simplified