Payroll, Workers’ Comp & HR for Auto Dealers with Any Mod Rate

Car dealerships face some of the most misunderstood risk profiles in workers’ compensation. Between mechanics, porters, detailers, drivers, body shop technicians, and sales staff, most carriers misclassify exposures and inflate premiums.

Employer’s Choice Solutions, Inc. places new, used, franchise, and independent dealerships into PEO programs that understand dealership risk.

Unique Risks We Solve

• Multiple class codes (sales, service, detail, body shop)
• Drivers moving vehicles on public roads
• Shop injuries & repetitive motion claims
• Inflated experience mods from misclassification
• Carrier non-renewals after accidents

How We Help

• Access to master workers’ compensation policies
• Correct classification of:
  • Mechanics
  • Detailers
  • Porters
  • Drivers
  • Body shop staff
• Payroll, HR, EPLI, and compliance in one platform
• Works for high-mod dealerships and dealer groups

If your dealership has been:

• Non-renewed
• Forced into Assigned Risk
• Quoted outrageous premiums, we can usually place you within 24–72 hours
• FULL Software integration autonomy

Framers • Plumbers • Drywall • Roofers • General Contractors

Construction is where most PEOs fail — and where Employer’s Choice Solutions, Inc. specializes.

We place skilled trades, subcontractors, and high-mod crews into PEOs designed specifically for construction risk. From 1-2 man companies to larger scaled companies all welcome.

Trades We Place Daily

• Framing crews
• Roofing companies
• Drywall installers
• Plumbers
• Electricians
• Concrete & masonry
• Demo & restoration

Common Problems We Fix

• Experience Mods over 1.30 – 3.00+
• Assigned Risk / State Fund placement
• Ghost policies or audits from hell
• Inability to bid commercial jobs
• COI rejections

What You Get

• Access to PEO master WC policies
• Payroll, HR, safety & compliance
• OSHA & jobsite reporting support
• Coverage that works for:
  • Prevailing wage jobs
  • GC-required insurance
  • Large commercial projects

If you’re stuck in the State Fund or losing bids because of insurance — this is exactly what we do. You do not have to wait for Certificate of Insurances for days on end or wait endless time for Loss Runs.

Retail may look simple — but employee turnover, multi-state payroll, and slip-and-fall exposure can destroy profit.

We provide retail-specific PEO programs that lower comp, simplify payroll, and protect against lawsuits.

Covered Businesses

• Clothing stores
• Vape shops
• Convenience stores
• Furniture stores
• Franchise retail chains
• Specialty shops

Risks We Manage

• High employee turnover
• Multi-state payroll
• EPLI claims (wrongful termination, harassment)
• Slip & fall exposure
• WC claims from stocking & lifting

We support single-location stores and national chains.

Non-profits have unique insurance and HR challenges — especially when grants, volunteers, and multi-state employees are involved.

Employer’s Choice Solutions helps:

• Churches
• Charities
• Foundations
• Advocacy groups
• Educational nonprofits

We Handle

• Payroll & tax compliance
• Workers’ compensation
• Volunteer injury risk
• Board & HR compliance
• Multi-state operations
• BENEFITS are often one of the main items you want to keep and retain key employees so we help navigate that with you on an annual basis when it comes to the PEO and their services and benefit programs.

We also assist non-profits with claims history or high mods.

Maritime, Shipyards, Marine Contractors & Dock Operations

These exposures are not insurable in standard markets — but we specialize in them.

We place:

• Shipyards
• Tugboat operators
• Barge companies
• Dock workers
• Marine construction
• Offshore service companies

Exposures Covered

• USL&H (Longshore & Harbor Workers)
• Jones Act seamen
• Maritime payroll
• High-severity WC claims
• Litigation exposure

We have access to PEOs and carriers that accept maritime risk when most brokers cannot.

Equine operations are often uninsurable in standard markets.

We place:

• Horse farms
• Training stables
• Breeders
• Boarding facilities
• Riding schools
• Polo clubs

We currently have 2 non-profit horse operations that specialize in helping our US Veterans.

Covered Risks:

• Grooms & trainers
• Barn staff
• Stable hands
• Riding instructors
• Injury-prone work

We specialize in high-mod equestrian operations and farms rejected by standard carriers

Assigned Risk • State Fund • Residual Market • Last Resort

If you are in:

• Any United States State Fund either due to high risk class codes or perhaps low head count on employees.
• One typical industry we have really helped in recent years are General Contractors in this area.

You are exactly who we serve.

We Place Employers Who Have:

• Mods over 1.50 – 5.00+
• Multiple serious claims
• Lapsed coverage
• Carrier non-renewals
• Inability to get WC anywhere else

Through Employer’s Choice Solutions, Inc., many state-pool employers can move into:

• PEO master policies
• Lower effective rates
• Predictable costs
• Full payroll & HR infrastructure

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GENERAL CONTRACTORS

We really shine in this area as for many years GC’s were really only offered their State Pool Funds. Carriers did not like and still do not like the Uninsured Sub factor. We can take you from the “House of Pain” and place you like a normal company with your own coverage. This is huge because when you need a Certificate of Insurance it normally takes 1-2 business days vs. the normal long wait with a State Fund situation.

Let’s say you decide to add a subcontractor trade along the way like drywall or roofing. If we know this in the beginning stages, we can place you with a provider that can simply add this into your payroll with having employees filling out applications.

We can take as low as 1 employee – even if it’s just you!