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Our Mission:

American Staffing Association - 2014 Conference

For each client we serve, we apply our 30 years of staffing and human resource experience to identify the most effective and LEAST expensive source for workers’ compensation insurance. Our clients are staffing companies and large production facilities that employee dozens and even hundreds of hourly workers on a weekly basis. By extensively consulting with each client, we analyze their staffing and human resource needs, and connect them with the best workers compensation and human resource programs on the market. Our unique expertise in the workers compensation field, as well as our professional experiences in the labor management industry, means that we can obtain individually tailored solutions at extremely competitive pricing.

Before starting Leaststaff in 2007, President David Schek developed and operated a nationwide staffing and human resource company for 16 years named Culi-Services. Culi-Services serviced hundreds of clients and employed tens of thousands of workers annually in 35 states. David's company worked with large food service facilities that used mostly low to medium wage workers where obtaining low cost workers compensation programs was essential to maintain profitability.

David established relationships with State Workers Compensation Funds, private insurance companies, and staff leasing companies (aka Professional Employer Organizations - PEO's) in order to locate the least expensive workers’ compensation solutions in each state–and to adjust to ever-changing business needs.

Today Leaststaff helps scores of companies that range in size from a few hundred thousand dollars a year in payroll to many millions of dollars a year in payroll expense. Leaststaff workers compensation programs helps our clients reduce their workers’ compensation costs, and boost their profits while they manage and employ hourly workers.

Our Specialty:

Workers’ Comp Solutions

Workers’ compensation is a critical cost component of any staffing company or large warehouse - manufacturing facility. It usually makes most business sense to place your line production staff or temporary employees under a different workers compensation policy or program to save money. Often, it means the difference between generating a profit or a loss with your light and skilled industrial employees.

If you are using a State Fund or have a NCCI mod with a private insurance carrier, you are almost ALWAYS paying too much for workers compensation insurance for your temporary or hourly line employees. The companies that benefit most from our services are employers that have workers compensation mods higher than 1.1. Our clients enjoy specialized workers compensation/ human resource programs that enable them to avoid the hassles of dealing with a traditional insurance carrier's bureaucracy and higher rates. They appreciate receiving much lower workers compensation rates from alternative workers compensation programs.

Workers’ Comp Options

1. Professional Employer Organization (PEO) (aka - Staff Leasing)

Professional employer organizations (PEOs) enable staffing companies to cost-effectively outsource the management of human resources, employee benefits, payroll and workers’ compensation. PEO’s allow staffing companies to focus on their core competencies in order to maintain and grow their bottom line. PEO’s business model is identical to ADP’s or Paychecks, but they provide the workers compensation solution too. PEO’s often offer much less expensive workers compensation rates than State funds and some direct carriers.

2. State Sponsored Work Comp Program (aka Assigned Risk Pools)

 A state-sponsored system that pays monetary benefits to workers who become injured or disabled in the course of their employment. Sick pay may qualify as workers’ compensation under certain conditions. Workers’ compensation first appeared in the U.S. in the 1930s and 1940s.

3. Pay as you Go Work Comp Plans

 All of Leaststaff work Comp programs are offered as “pay you go” payment plans. With the PEO or staff leasing options, work comp fees are paid on a weekly or monthly basis and are directly related to the amount of payroll that was processed the previous week or month

4. Captive Insurance Programs

 Captive programs for staffing companies provide coverage’s that usually could not obtain through the traditional insurance market, thereby reducing the high cost of insurance to staffing companies in certain high risk codes.

5. Work Comp Premium Deductibles

Your deductible is the amount of money you’ve agreed to pay out-of-pocket when you make a claim covered by your policy. If your policy does not have a deductible option, your policy is referred to as a Guaranteed program.

6. Administrative Services Org. for Workers Comp. (ASO)

 Many of the same trends that have led to the growth in the PEO sector have contributed to significant growth/demand in the ASO space. In particular, the ever-rising burden of non-core revenue producing payroll and human resource administration has driven the growth of our ASO services. Clearly, the PEO co-employment solution is viable for many small to medium sized staffing businesses; however, for many companies the co-employment paradigm (which is part of the PEO solution) does not represent the best option for the staffing company. As such, some PEO staffing clients have elected the Administrative Services Outsourcing (ASO) option, where in many cases the ASO is administering the client’s workers compensation as well all their payroll function, but NOT in a co employment relationship

7. Direct Carrier

 

This option for Workers Compensation is usually for staffing companies with good workers comp loss history. Some of the leading insurance companies include AIG, ULLICO, Travelers, and Pinnacol. As a result of selecting the better staffing companies, their rates are usually more competitive than a PEO, and much less expensive than the State Fund.

 

The direct carriers will usually require 25% down payment on the annual premium and may finance the remaining 75% over 6- 9 months. Also at the end of the year, they will do an on site audit. Because their policies are generally not “pay as you go,” there is much less interaction during the year with the staffing company. As a result, this may make the audit somewhat intrusive to your operations when it occurs since they will review all the class codes for accuracy – rate discrepancies and payroll levels. This may result in audit premiums which can be unexpectedly substantial.

 

Workers' Comp Services


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Recent News from our Blog

Leaststaff Memberships

  • American Staffing Association
  • California Staffing Professionals
  • ASA Convention - Expo 2014

Testimonials next prev

  • "My Relationship with David Schek can be summed up in two words. Admiration & Passionate!! When a Man finds his True Purpose,he not only finds himself but finds his destiny connected with helping others.David's expertise and his dedication in his God given purpose has made him a staffing consultant genius.

    Our relationship has afforded me as a new staffing agency owner to find invaluable wisdom, clear cut direction and the ability to make sound decisions to reflect and discern on matching and aiming my experiences, skills with stable reputable relationships within this industry. David's willingness to patiently listen, be proactive and build a one on one relationship with me has been the winning edge in Least Staff.

    In today's industry you must make sure you have the right confidants on board with you in order to win with integrity. We can always count on a positive and radiant word from David that will not only inspire us but that will speak growth and prosperity to our lives and our business."

    March 2014

    Avery Johnson - Another Chance Staffing

  • "With the recession, I needed to find a financing partner that paid me my commissions the same week as my sales. Leaststaff knew of a funder that did this and helped keep my business from going under."

    Dave - NM

  • “I used Leaststaff for finding a work comp solution for my healthcare staffing company in 2009, when no one would cover a multi state start up like us. They are great!”

    Jan in CO

  • “I have staffing businesses in NJ and Texas. Leaststaff found work comp solutions for my entire business in a few days. They also helped us find inexpensive G/L coverage! Their follow up was superb—”

    Rafael – TX / 2010

  • “We own a light industrial staffing company in California where is has become very difficult to get work comp coverage. With Leaststaff, they found a comp carrier in about 2 weeks, and their rates were super.”

    Ty – CA / 2009

  • “We had a 2.5M family business that we needed to sell after a significant illness by my father. Leaststaff found a buyer that paid our family a very reasonable price.”

    Sally – AR / 2010

  • “I own a hospitality staffing company in the DC area. Leaststaff was able to connect us with various merger partners so I was able to expand my business in to 3 different markets.”

    Alex – VA / 2008

  • “The management at Leaststaff helped me resolve some older Ohio work comp bills, so I did not have to close my staffing business.”

    Jim – Ohio / 2008

  • “I own a truck driver staffing company that operates in multiple states. After having had my Comp insurance cancelled, Least staff was able to identify a new carrier quickly and helped me keep my business going. Thank you Leaststaff.”

    Joe – MO / 2008

  • “As a staffing manager and owner for more than 20 years, I have found staff leasing for my associates a wonderfully efficient way to manage my business costs.”

    Paula K. – Atlanta, Georgia

  • “I had never used a staff leasing service in my other businesses, but inmanaging the costs in my staffing business, I believe it is essential.”

    Kristin – Rochester, New York

  • “I would use staff leasing instead of hassling with workers’ comp and unemployment issues any day of the week.”

    Curt D. – Norfolk, Virginia