Glossary · Compliance
Workers' Compensation
State-mandated insurance covering employee injuries and occupational illness. Premiums are class-coded by job duty.
Workers' compensation insurance covers medical costs and lost wages for employees injured on the job. Coverage is mandated by state law (with limited exceptions, e.g., Texas) and premiums are calculated using class codes that reflect the risk of each job duty.
Most PEOs include a workers' comp program in the bundle, often with pay-as-you-go billing tied to actual payroll. Comp pricing through a PEO can be materially different from a client's standalone market quote and is a primary source of savings for high-class-code workforces.
Related terms
- SUI / SUTA (State Unemployment Insurance)State payroll tax that funds unemployment benefits. Rates are experience-rated based on an employer's claims history.
- Experience Modification (E-Mod / X-Mod)A multiplier applied to workers' compensation premium that reflects an employer's claims history relative to industry peers.
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