Your Renewal Date Is Your Best Time to Look. For January 1, That's Now.

You can look at your payroll, HR and workers' comp setup any time of year. But one time works best: about 90 days before your renewal.

If your policy renews January 1, that time is now.

Why 90 days?

Renewal is the one time each year when everything can change: your price, your coverage and who you work with.

At 90 days out, you have time to:

• Get your papers ready without a rush
• See more than one option
• Ask questions and make a clear choice

Closer to the date, you still have options. You just have less time to compare them. Many of the best insurance companies start reviewing accounts about 90 days before renewal.

Not a January 1 renewal?

No problem. Your 90 days starts from your own date. Tell us when you renew, and we'll plan your review around it.

Short on time? A review still helps. Even if you keep what you have, you'll know your numbers and be ready next year.

What should you check?

Four things drive your workers' comp bill:

1. Your payroll. Workers' comp is priced on payroll. If the estimate is off, the price is off.
2. Your job codes. Every worker is placed in a job code, also called a class code. Each code has its own price, so a driver in the wrong code can cost you money.
3. Your safety score (e-mod). Fewer and smaller claims mean a lower score and a lower price. One claim can affect your score for about three years.
4. Last year's audit. After the policy year ends, the insurer checks your real payroll. Audits usually happen 30 to 60 days after the policy ends, and about 6 in 10 end with the company owing more.

How is a PEO different?

A PEO (professional employer organization) takes over your payroll, HR paperwork and workers' comp. It also gives you access to big-company benefits. You still run your business, and you still hire, fire and dispatch your drivers.

With a PEO, workers' comp is usually figured on every payroll, based on what you really paid. That usually means:

• No big deposit up front
• No surprise audit bill after the year ends
• No renewal for you to manage

A PEO is not a cheaper insurance policy. It's a different way to handle the work behind your people. Learn more: Why Businesses Use a PEO

Why talk to SE Davis?

Not every PEO works with trucking companies. We know which ones do.

You give us one set of papers. We get quotes from PEOs that fit trucking and show them to you side by side, in plain words. Then you decide. If what you have now is the best fit, we'll tell you, and we'll check in again next year.

What do we need from you?

• A recent payroll report
• Your loss runs (your claims history from your insurer)
• Your current workers' comp policy or renewal notice
• A list of your employees and roles

Don't have it all? Send what you have, and we'll help with the rest.

Your next step

Tell us your renewal date, and we'll set up a free review that fits your timing. There's no cost and no pressure to switch.

Request a No-Cost Workforce Review