Small Business Risk Support
Risk Mitigation and Workers’ Compensation
Protect your Small Business with OneDigital PEO Risk Mitigation & Workers’ Compensation.
Small Business Risk Mitigation and Workers’ Compensation
Protect Your People and Strengthen Your Business a Risk Mitigation Program Built for Small Business
Running a safe workplace and managing workers’ compensation costs are top priorities for every employer - especially for small and midsize businesses. Many companies choose a PEO precisely to join a master workers’ compensation insurance policy that offers broader protection, predictability, and proactive risk management that would be hard to achieve on their own.
At OneDigital, our PEO model combines payroll, benefits, compliance expertise, and safety programs all under one coordinated umbrella, helping you reduce risk, control costs, and support your workforce - while freeing you to focus on growth.
Why Employers Use a PEO for Workers’ Compensation
Workers’ compensation protects employees and helps employers manage the financial impact of workplace injuries — but securing affordable, predictable coverage on your own isn’t easy. OneDigital PEO’s master workers’ compensation plan pools thousands of employees into one policy, giving your business access to stronger buying power, more stable pricing, and fewer surprises than a standalone policy.
The Business Benefits You Can Measure
Thousands of employees are covered under one master policy, giving OneDigital significant negotiating leverage with carriers. This typically results in more competitive, more stable rates than most small businesses can secure on their own.
Premiums are calculated on actual payroll each pay period rather than large upfront deposits and unpredictable year-end audits, making budgeting easier and reducing cash-flow surprises.
Our specialized workers’ compensation team manages claims from reporting through return-to-work coordination. That means fewer internal headaches, faster recoveries for injured employees, and less time spent on audits, renewals, and carrier communications.
If you employ people in multiple states, OneDigital helps ensure your workers’ compensation coverage meets varying state requirements, reducing risk and simplifying compliance.
Structured safety programs, training, and risk-mitigation support help reduce injuries, improve morale, and keep your workforce productive.
What a Master Risk & Safety Policy Includes
A master workers’ compensation and risk management policy is more than insurance - it’s a structured program that embeds safety, compliance, and prevention into your everyday operations.
Under a PEO’s master policy, employees are covered regardless of location, role, or wage type. Your company gains:
- Coverage for medical and wage replacement costs
- Employer liability protection
- Stable, group-based rate structures
This level of coverage helps protect both employees and the financial health of your business.
A strong risk and safety program goes beyond post-injury claims - it helps prevent them in the first place. A master plan includes:
- Workplace hazard identification and risk assessments
- Safety training tailored to your operations
- Incident and near-miss reporting systems
- Recommendations for corrective actions
By focusing on prevention and education, businesses can reduce claims frequency and improve employee well-being.
If injuries occur, a PEO’s claims professionals:
- File and manage claims on your behalf
- Coordinate medical care and follow-up
- Facilitate return-to-work planning
- Communicate with carriers and providers
This consistent, expert oversight often results in faster claims resolution and better cost outcomes.
Workplace injury rules and state reporting requirements change oftern. A master risk policy includes:
- Guidance on OSHA and state regulatory compliance
- Help with recordkeeping and audit responses
- Updates on legislative or regulatory changes
Strong compliance capabilities reduce the risk of fines, penalties, or interruptions.
OUR APPROACH
A smarter way to manage risk
We take a hands-on, data-driven approach to building and managing your workers’ compensation program—so it stays aligned with your business as it grows.
- Assess your risk through a deep review of claims history, safety programs, industry exposure, and workforce trends
- Design the right solution by tailoring a master plan or recommending alternative options within the OneDigital portfolio
- Implement proven safety practices with training, policies, and hazard-mitigation strategies built into daily operations
- Optimize over time using ongoing claims analysis, reporting, and continuous improvement
This keeps your coverage effective, compliant, and cost-efficient year after year.
WHO IT’S FOR
Built for employers managing complex risk
This approach is best suited for organizations that:
- Employ hourly or multi-location teams
- Experience high or unpredictable workers’ comp costs
- Lack in-house safety or compliance expertise
- Want simpler administration and more predictable outcomes
