Florida PEO Services
Florida PEO Services for Contractors & Construction Companies
A Professional Employer Organization (PEO) can dramatically reduce workers comp costs for Florida contractors — especially in high-risk trades like roofing, framing, and concrete. Here is what you need to know about Florida PEO services and which ones are best for construction.
Top Picks
Best PEOs for Construction Companies in Florida
These four PEOs specialize in Florida construction trades and have strong track records with contractors.
Frank Winston Crum
Best Overall for ContractorsFlorida's largest PEO, headquartered in Clearwater. Frank Crum has deep expertise in construction trades and offers competitive workers comp rates for roofing, framing, concrete, and specialty contractors. Their Winston platform handles payroll, HR, and compliance in one system.
- Strongest WC rates for high-risk trades
- Florida-based with local expertise
- Integrated payroll + HR platform
- Strong claims management team
Encore HR
Best for Mid-Size ContractorsEncore HR is a Florida-based PEO with a strong focus on construction and contracting companies. They offer flexible PEO arrangements and are known for responsive service and competitive pricing for trades with 10–100 employees.
- Flexible contract terms
- Strong construction trade appetite
- Responsive local service team
- Competitive rates for mid-size contractors
Southeast Leasing
Best for Small ContractorsSoutheast Leasing specializes in small Florida contractors — particularly those who have difficulty getting standard workers comp due to their trade or claims history. They work with roofing, demolition, and other high-risk trades that larger PEOs may decline.
- Accepts high-risk trades
- Works with contractors who have prior claims
- Low minimum employee requirements
- Experienced with Florida compliance
Key HR
Best for Multi-Trade OperationsKey HR is well-suited for Florida contractors who operate across multiple trades or have a mix of high-risk and low-risk employees. Their flexible classification system handles complex payroll structures and multi-state operations.
- Handles complex multi-trade payrolls
- Multi-state capability
- Strong benefits package options
- Experienced with owner-operator structures
Bright Coast works with all four of these PEOs
As an independent agency, we can place your account with the right PEO for your specific trade, size, and claims history. We do not favor one PEO over another — we find the one that gives you the best rate and service for your situation.
How It Works
How a PEO Reduces Workers Comp Costs for Florida Contractors
Co-Employment Model
When you join a PEO, your employees become co-employed by both you and the PEO. You retain full control of your business operations, hiring, and day-to-day management. The PEO handles the administrative employer functions.
Master WC Policy
Your employees are covered under the PEO's master workers comp policy instead of your individual policy. The PEO's large employee pool allows them to negotiate significantly lower rates — especially for high-risk trades.
No Experience Modifier Impact
Claims under the PEO's master policy typically do not affect your individual experience modifier. This is a major benefit for contractors with prior claims who are facing high EMR surcharges on standalone policies.
Is It Right for You?
When a PEO Makes Sense for Florida Contractors
PEO is likely the right choice if:
- You are in a high-risk trade (roofing, framing, concrete, demolition)
- Your experience modifier is above 1.0 due to prior claims
- You have difficulty getting standard market coverage
- You want to offer employees benefits without a large HR department
- You have 5+ employees and want to reduce administrative burden
A standalone policy may be better if:
- You are in a low-risk trade with a clean loss history
- Your experience modifier is below 0.85 (you have earned credits)
- You have fewer than 5 employees
- You want maximum flexibility in carrier selection
- You prefer to keep HR and insurance completely separate
Not Sure If a PEO Is Right for Your Florida Construction Business?
We compare PEO options against standalone workers comp policies for your specific trade and payroll. You get the lower number — guaranteed.