Nationwide Employer Services LLC

Workers' Comp Solutions for Hard to Place Risks
  • person
    Ken Heideger
  • place
    9858 Glades Road, 125 Boca Raton, FL 33434
  • contact_phone
    Click to call
Distressed Risk Workers Compensation Insurance

NES  can write Staffing and most distressed risks in all states in our "A"-rated Professional Employer Organization (PEO) and Contract Labor Service staffing (CLS)  programs. Here is a generic email that covers much of the basic info. You need to know about our PEO and CLS programs. Referral agents/brokers are paid a % of payroll equal to 5-10% of prem depending on several factors. No agency agreement needed as we establish & confirm commissions and everything via email.


Please read all below carefully and if this risk and/or if you have a future risk that you feel is a fit, answer/provide all info. Requested below. Thanks!


Basically PEO/CLS programs entail 2 main things….

1) the PEO/CLS must be the statutory employer of record for all covered employees, and 

2) the PEO/CLS must process and issue payroll drawn off the PEO/CLS bank accounts in some cases the Risk can process/issue own pay checks. 


NES does best cost wise for risks with high xmods, high cost class codes, in state pools, with workers' compensation (WC) premiums of 50k or more, paying way more than they should be, and generally considered highly WC distressed…..we can write most risks including Staffing in our PEO & CLS programs. If you have a Staffing risk, as you probably know, WC programs for Staffing are almost nonexistent at this time with risks going to or in state pools. However, again, we can write Staffing in our PEO/CLS programs. NES writes/places the most Staffing in PEO/CLS programs of any brokerage in the USA.   


Under a PEO arrangement, a co-employer (primarily for benefits purposes) relationship is established between the risk and the PEO, with the PEO becoming the sole employer of record for IRS purposes. The PEO has a master "PEO" designated WC policy. The workforce is contracted back to the risk to operate and manage as usual. Under a CLS arrangement, a sole-employer relationship between the risks employees and the CLS is established.  The CLS has a master "Staffing" designated WC policy. No functional control is lost of the risk's business or labor force in either case, and in many cases, both the employer and employees receive more and less costly benefits, services, and WC coverage. The main purposes and goals of these relationships is to provide the risk with more suitable and economic WC and administrative functions on an outsource basis, including all management and navigation of the Affordable Care Act's (Obamacare) regulations and implementation. In both the PEO and CLS structures, all WC covered employee payroll must be processed by (in most cases) and flow thru the PEO/CLS, with payroll checks drawn on the PEO/CLS bank accts.


Before we quote either PEO or CLS, it must be cleared directly with risk, either by you or us jointly, that such an arrangement will work for them….so not to waste your/our time if the above basic structures will not work for them. 


Submission info needed:


• Detailed ACORD (must have # of ees/code)

• 3-5 yrs losses valued no more than 45 from curr date

• Last 4 quarters of State unemployment rtns (for staffing risks only)

• Current/renewal policy dec/rating pages

• State pool quote (preferred)

• Xmod sheet


Questions on each risk:


1. Why are they shopping their WC?  If being non-renewed, why? 

2. Is "A" rated WC carrier REQUIRED by risk? 

3. Do they/you have any viable WC options at this point. If so what are they?

4. Will they for sure go to a master policy PEO/CLS program per above if the cost/structure makes sense?

5. Have you or the risk obtained a state pool quote yet?  if so please send, if not please obtain and send or explain why you/they have not done so.  

6. Do you control this risk?  if not, how did you get this opportunity?

7. Will risk accept a deductible WC program, if so what level?

8. What is our target annual cost we need to hit to write deal?


We look forward to working with you. Thank you!


Best Regards,

Ken Heideger

Nationwide Employer Services LLC

Offices in FL and CA


U.S. States Available

  • U.S. States Available:
    Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming, Washington, D.C.
  • Provider Type:
    Program Administrator
  • Admitted:
    Most Available Markets
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Nationwide Employer Services LLC has other insurance programs like Construction Risk Workers Compensation Insurance.