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Who insures it · 3 named markets · read 2026-10-28

Who insures PEO-sponsored workers' compensation?

PEO-sponsored workers' compensation is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write PEO-sponsored workers' compensation: SUNZ Insurance Company, Amwins, Normandy Insurance. 1 admitted carrier, 1 program administrator, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
SUNZ Insurance Company
Admitted carrier		Workers' compensation carrier founded specifically for PEOs and staffing agencies.
“Established in 2005, SUNZ Insurance Company was founded specifically for PEOs, staffing agencies,”		not statednot statedsunzinsurance.com · read 2026-10-28
Amwins
Program administrator		Full-service PEO workers' compensation program manager with guaranteed-cost, intermediate and deductible structures through multiple A-rated carriers; eligibility excludes start-ups or PEOs in business less than three years; Best Hazard 1-8 and NCCI Hazard Grade A-F.
“Amwins is a full-service PEO program manager specializing in workers' compensation”		all statesnot statedamwins.com · read 2026-10-28
Normandy Insurance
Wholesaler		Workers' compensation brokerage options for staffing and PEO risks through access to 40+ carriers.
“Options for Staffing and PEO risks”		not statednot statednormandyins.com · read 2026-10-28

Lion Insurance Company site closed the connection twice; Clear Spring domain did not resolve; Everest site unreachable; Benchmark site is a claims TPA. AmTrust, EMPLOYERS, Accident Fund, Pie, GUARD, Applied Underwriters pages do not mention PEO programs.

How PEO-sponsored workers' compensation gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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