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Insperity Review

Best PEO for Small Businesses

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A Business News Daily Review

Product and service reviews are conducted independently by our editorial team, but we sometimes make money when you click on links. Learn more.

After conducting extensive research on professional employer organizations (PEOs), we recommend Insperity as the best PEO service for small businesses in 2019. To understand how we selected our best picks, you can find our methodology, as well as a comprehensive list of PEO services, on our best picks page.

Editor's note: Looking for the right PEO service for your business? Fill out the below questionnaire to be connected with vendors that can help.

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Insperity provides flexible service options for small businesses. Many competitors provide one-size-fits-all solutions, whereas Insperity will work with your business to find the right services for it. Some of its services are bundled, but Insperity allows you to sign up for the services you need and will scale up to match your business's growth. Some of the features are optional, but you may still pay for the full bundle depending on your business's situation.

Insperity provides extensive support to businesses of all sizes. It's accredited by the Employer Services Assurance Corporation (ESAC) and certified by the IRS, verifying its high-quality services. It also provides a mobile application, so you can access your PEO services from anywhere. In short, Insperity's PEO is well-rounded and ideal for small businesses.  

With Insperity, instead of working with a predetermined PEO solution that includes services you may not need, you sign up for services and features that match your business's needs, regardless of the size or stage of your company. If, for example, you're a small business looking only for payroll processing and HR services, Insperity can start you off with those two services and then build out more features as your business grows. This tailored service model allows your business to continue normal operation without having extensive features (or costs) at the onset of your service.

Insperity doesn't require a long-term contract, so you can cancel your service as long as you provide 30 days' notice. This is a standard feature among PEO services we evaluated. While it requires you to have at least five employees, Insperity charges a per-employee fee as opposed to taking a percentage of your total payroll. This means that your costs – not including healthcare, benefits, payroll taxes and workers' compensation – will remain the same as long as your number of workers remains the same.

Insperity provides a team of experts to handle your HR, benefits, payroll and risk management. You can collaborate with these experts to develop HR policies, select benefits packages and address compliance issues. This type of service team is standard for PEO services we reviewed. Insperity provides a point person to coordinate your services between you and the expert team. This team can provide in-depth advice and analysis on all the major PEO topics.

Insperity has many services for small businesses. Small business owners can find support in HR, risk management, and health, vision and dental benefits administration. Other services Insperity offers include recruitment services, employee screening and onboarding, handbook and policy development, performance management, termination and dispute assistance, workers' compensation, safety training and onsite safety inspections, ACA compliance assistance, time and attendance tracking and software, wage garnishments, and employee assistance programs.

One area where Insperity excels is training resources. It offers some of the most extensive training services of any company we reviewed. Its client businesses have access to 3,000 online courses, 15,000 digital books and live virtual training.

Insperity also offers onsite training on safety topics and other HR training topics tailored to your business, like conflict management or sexual harassment. Insperity's training resources are among the best of any PEO we reviewed – they are extensive, and the mix of onsite and live virtual training means that your business can provide effective training and coaching for employees.

  • Accreditation: This company is accredited by ESAC in addition to being certified by the IRS, grouping it with other industry-leading PEOs. The IRS has a certification process that ensures certain PEOs are healthy and able to provide the services they claim. ESAC is an independent rating organization that grades PEOs on the quality and depth of their services. Insperity also fares well with the Better Business Bureau – it earned accreditation and an A+ with the company. Many companies we reviewed either aren't rated or have very low grades with the private rating agency.
  • Customer service: We interacted with Insperity via email and phone, posing as small business owners searching for a PEO service. In all instances, Insperity's sales team was helpful and informative, going the extra mile to ensure that all our questions were answered and that we had established a personal connection with the sales representative. Representatives explained important healthcare concepts and didn't push for a sale in our interactions with them. 

Insperity offers a single employer health plan, which has multiple offerings for your business, but other companies we reviewed provide multiple health plans from various companies. All Insperity partners have employees on the same plan, meaning that potentially tens or even hundreds of thousands of employees are on the same healthcare plan. It also means that your employees will only have access to healthcare from one company. Businesses looking to provide their workers with multiple healthcare options should consider this while looking at Insperity.

Ready to choose a PEO solution? Here's a breakdown of our full coverage:

Editor's note: Looking for the right PEO service for your business? Fill out the below questionnaire to be connected with vendors that can help.

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Matt D'Angelo

Matt D'Angelo is a staff writer covering small business for Business.com and Business News Daily. After graduating from James Madison University with a degree in journalism, Matt gained experience as a copy editor and writer for newspapers and various online publications. In addition to his writing and reporting, Matt edits articles. He reviews small business services, including PEOs, small business loans and GPS fleet tracking services. He's been with Business.com and Business News Daily since 2017.