High Loss Coverage - Payroll Consultants Group was contacted by a Tampa-based non-profit organization called HARC (Hillsborough Association for Retarded Citizens). HARC, with 50 to 60 employees and a $100,000 weekly payroll, provides daytime care and education to retarded and handicapped people. During the day, clients attend job training workshops where they interact with HARC staff members. At times, these children and young adults become incorrigible or violent, and can threaten the safety of staff members. Prior to contacting us, the organization carried Worker’s Compensation Insurance with a traditional insurance provider. Due to the number of Worker’s Comp-related incidents, this carrier terminated the organization’s coverage. At this point, with a high loss ratio of 75%, HARC knew of only two choices available to secure Worker’s Compensation Insurance: they could obtain it through the State’s JUA (Joint Underwriters Association) program – an expensive proposition – or they could enter into an employee leasing arrangement with a PEO (Professional Employer Organization). We are negotiating with our network of PEO firms to provide services for HARC, including assistance to help them reduce their loss ratio experience. Once this is achieved, and their loss ratio improves, they will be able to return their payroll functions in-house and re-enroll for traditional Worker’s Compensation Insurance coverage. - Mike Martin - Payroll Consultants Group.