Business News Daily provides resources, advice and product reviews to drive business growth. Our mission is to equip business owners with the knowledge and confidence to make informed decisions. As part of that, we recommend products and services for their success.
We collaborate with business-to-business vendors, connecting them with potential buyers. In some cases, we earn commissions when sales are made through our referrals. These financial relationships support our content but do not dictate our recommendations. Our editorial team independently evaluates products based on thousands of hours of research. We are committed to providing trustworthy advice for businesses. Learn more about our full process and see who our partners are here.
Insperity Review: PEO and HRO Service Pricing
Table of Contents
- Insperity offers comprehensive compliance and risk mitigation tools with support from HR experts.
- It is ESAC-accredited and IRS-certified, ensuring reliability and compliance.
- Employees gain access to a large library of training and development resources.
- Insperity does not publish pricing; you must contact sales for a custom quote.
- The service requires a minimum of five employees, which may not suit very small businesses.
Insperity offers flexible human resources services for small businesses, providing extensive legal compliance and risk reduction tools that set it apart from other professional employer organizations (PEOs). Its service bundles and à la carte offerings also cover HR administration, payroll processing, employee benefits and workplace training. With competitive PEO pricing, an intuitive online platform and extensive employee training options, Insperity is our choice for the best PEO service provider for risk management.
Insperity PEO Services Editor's Rating:
9.1 / 10
- Customer service
- 10/10
- User interface
- 9.5/10
- Benefits offerings
- 8.5/10
- Payroll functionality
- 10/10
- Pricing
- 7.5/10
Why Insperity Is Best for Risk Management
Insperity is an HR outsourcing solution provider that operates primarily as a PEO, though it also offers an HRO (human resources outsourcing) option. In other words, most businesses partner with Insperity through a co-employment model, but the company also provides a non-co-employment plan for organizations that want to retain full employer responsibility.
We chose Insperity as our top PEO for risk management because of its comprehensive tools to reduce exposure across compliance, safety and employee relations. Specialists can conduct on-site safety audits, respond to Equal Employment Opportunity Commission (EEOC) complaints and help create compliant employment policies. Insperity also offers hundreds of online courses and e-learning materials on topics like workplace harassment and HR compliance to keep employers and staff informed.
We were especially impressed by Insperity’s proactive alerts regarding changes in employment and labor laws. Rather than waiting for questions, Insperity notifies clients when regulations shift, provides supervisor training and helps businesses update written policies to stay compliant.
Insperity is accredited by the ESAC and certified by the IRS, placing it among the most reliable and reputable PEOs. The IRS certification ensures financial soundness and compliance capabilities, while the ESAC independently evaluates the depth and quality of services. Insperity also holds an A+ rating from the Better Business Bureau — a distinction many competitors lack.
Usability
Insperity’s platform is straightforward and customizable, with a clean interface for both employers and employees. We like that dashboards can be tailored with widgets for time and attendance, payroll, benefits and taxes, giving users quick access to the information they need. This flexibility keeps navigation simple and reduces the learning curve, even for staff members who are less tech-savvy.
We especially liked the self-service options for employees. Through the desktop portal or mobile app, staff can view pay stubs, check PTO balances, review benefits and update personal details such as their home address or W-4 withholding. Paperless onboarding and AI-assisted benefits enrollment further enhance the employee experience and make Insperity’s setup extremely usable.
Insperity Features
Risk and compliance | Insperity’s risk management services include workers’ compensation coverage, liability insurance and compliance tools to help businesses reduce exposure. |
|---|---|
Training and development | Insperity provides over 6,500 employee learning resources, from self-paced e-learning courses to live virtual and on-site training. |
HR administration | Insperity provides comprehensive HR administration support, including policy management, onboarding assistance and ongoing HR strategy guidance. |
Employee benefits | Through its co-employment model, Insperity gives small businesses access to competitive benefits packages, including health, retirement and insurance options. |
Payroll processing | Insperity delivers robust payroll features, such as time and attendance tracking, PTO accrual and detailed payroll management reports. |
Reporting and analytics | The Insperity Premier platform includes more than 50 prebuilt reports and customizable analytics tools, giving businesses actionable workforce insights. |
Risk and Compliance
Insperity helps businesses manage risk and stay compliant with ever-changing employment laws and regulations. The company’s specialists can coach supervisors on handling potentially tricky employee matters appropriately, reducing the chances you’ll have to deal with complaints or lawsuits. Safety experts are also available to consult on workplace hazards, exposures and controls, and to help create safety plans that prevent accidents and injuries.
Beyond consulting, Insperity provides workers’ compensation coverage and employment practices liability insurance. Clients also receive HR compliance support for hiring and termination practices, unemployment claims, “ban the box” and Fair Credit Reporting Act policies, drug-free workplace programs and EEOC matters.
Training and Development
Insperity stands out for the depth of its employee training and professional development resources. The platform includes more than 6,500 learning materials, ranging from over 300 self-paced courses and e-learning modules to live virtual training and on-site safety programs.
Topics cover both compliance areas, such as workplace harassment and HR regulations, and professional development subjects, including communication, leadership and customer service. Some courses even provide continuing professional education (CPE) or professional development units (PDU).
Beyond individual training, Insperity supports broader organizational growth with liability management workshops, performance management tools and company culture development programs.
HR Administration
Insperity can handle HR administration tasks for your business so you don’t have to. Each client is assigned a team of HR specialists who provide direct guidance and supplement your internal staff. Customers receive a dedicated email and phone line to reach their HR team with questions or concerns. This team can assist with a wide range of administrative needs, including updating company policies, managing employee benefits, and developing HR strategies that align with business goals.
We also like that Insperity offers paperless onboarding for new hires, employment eligibility verification, and AI-assisted benefits enrollment support to streamline the hiring process. Additionally, Insperity recently introduced Contractor Management powered by Wingspan, which simplifies onboarding, payments and 1099 issuance for businesses that work with independent contractors.
Payroll Processing
Insperity makes payroll management straightforward by combining tracking and processing tools in one platform. Employers can monitor time and attendance, manage PTO accruals, and track vacation and sick leave with ease. The system also supports payroll essentials, including W-2 preparation, wage garnishment, deduction administration and employment verification.
In addition, Insperity provides payroll management reports, direct deposit and tax withholding and remittance for FICA, FUTA and SUTA, helping businesses stay accurate and compliant.
Reporting and Analytics
Insperity’s technology platform, Insperity Premier, includes high-level reporting tools and employee analytics. It offers more than 50 prebuilt reports, and businesses can also create custom reports for added flexibility. Employers can generate and review reports on their own, while Insperity’s service team is available to help interpret results and suggest actions based on the data.
For businesses that need system integrations, Insperity also provides an API for seamless connectivity with other business applications and data systems.
Insperity Costs
Insperity doesn’t publish standard rates because pricing is customized for each client. However, it does highlight several plan options designed to fit different business needs. Here’s a look at Insperity’s main solutions — including both its PEO and HRO models — so you can see how the plans differ in structure, features and flexibility.
Plan | Model | Pricing | Key features |
|---|---|---|---|
HR360 | PEO (co-employment) | Custom; per-employee flat fee | Full suite of bundled HR services (payroll, benefits, compliance, risk management, training) 5-employee minimum One-year contracts, cancellable with 30 days’ notice |
HR Core | HRO (outsourcing) | Custom; per-employee, per-month | Core HR tech platform with payroll, onboarding, compliance, analytics and e-learning Optional add-ons: applicant tracking & scheduling, retirement services, insurance offerings, succession planning, employee handbook builder Cancel with 30 days’ notice |
HR Scale | Hybrid (in development) | Custom | Aimed at midmarket companies Combines Insperity services with Workday HCM for advanced, scalable HR functionality |
Additional pricing notes:
- Costs vary: Because Insperity customizes pricing, you won’t find standard rates on its website. Your actual cost will vary based on headcount, payroll, benefits contributions and insurance needs.
- Flexible contracts: Contracts are flexible compared with some competitors, since you can typically cancel with 30 days’ notice.
- Variable costs: Variable costs such as benefits contributions, payroll taxes and workers’ comp premiums are separate from Insperity’s administrative fee.
Insperity Setup
Insperity’s onboarding process is straightforward and typically takes less than 30 days to complete. Each client is assigned a dedicated account executive who helps set up the cloud-based platform and acts as a liaison if you add more services over time. Having a single point of contact ensures a smoother transition and helps businesses get the most out of their Insperity partnership.
To support new users, Insperity also offers a wide range of tutorials and setup resources. The platform itself is secured with two-factor authentication and provides an intuitive portal accessible via desktop or mobile app. Through this portal, employees can view paychecks, manage 401(k), FSA or HSA contributions, log hours, request time off, track performance, and access training and company information.
Insperity Customer Service
- Channels: Insperity offers phone support from 7 a.m. to 7 p.m. CT, Monday through Friday, which covers most U.S. business hours. You can also send an email or submit a message via the website. We like that Insperity provides separate phone numbers for specific needs, such as time and attendance, organizational planning and performance management, so you’re quickly connected with someone who can help. In addition, Insperity has a network of more than 90 local offices, giving clients the option for in-person assistance — a rare offering among PEOs.
- Dedicated experts: Each client is assigned a dedicated service team with specialists in HR management, payroll, benefits, performance and safety. You’ll also have a client liaison who coordinates between you and the expert team to ensure smooth communication and consistent support. This structure is on par with — and in many cases exceeds — the customer service models of competing PEOs.
- Online resources: Insperity maintains a robust library of self-service materials, including blogs, case studies, demos, e-books and webinars, as well as recorded podcasts and training content. These resources make it easy for employers and employees to find answers outside of regular business hours.
Insperity Drawbacks
Although Insperity is a strong option for many small and midsize businesses, there are a couple of limitations to keep in mind.
- Five-employee minimum: To use Insperity’s PEO services, your business must have at least five employees. While this requirement is fairly standard in the PEO industry, it can exclude very small companies. If you’re a microbusiness, you may prefer a provider like Deel, which has a two-employee minimum. Our comprehensive Deel review explains more about its services and features.
- Lack of transparent pricing: Insperity does not publish rates on its website, requiring prospective clients to request a custom quote. While this is common among PEOs, it can make it harder to quickly evaluate costs. If transparent pricing is important to you, Justworks offers a straightforward pricing structure displayed clearly on its website. Learn more in our detailed Justworks review.
Methodology
We conducted in-depth research and analyzed dozens of PEO offerings to determine the best providers on the market. To identify the top service for risk management, we focused on the breadth and depth of compliance tools available, including support for harassment prevention, labor law compliance, EEOC complaints and employment practices liability.
In our evaluation, Insperity stood out for both the scope of its risk management resources and its transparency. It was the only PEO we reviewed that published quantitative data on the outcomes of its risk mitigation efforts, giving us clear evidence of its effectiveness. This data, combined with Insperity’s extensive compliance support and proactive approach, made it our choice for the best PEO for risk management.
Insperity FAQs
Overall Value
We recommend Insperity for …
- Growing businesses that want a PEO service that can scale alongside them.
- Organizations that value extensive employee training and educational resources in a PEO partner.
- Companies that need hands-on guidance from HR experts to manage compliance, payroll and benefits.
We don’t recommend Insperity for …
- Small businesses with fewer than five employees, since they won’t meet Insperity’s minimum.
- Businesses that prefer transparent, upfront pricing without having to request a custom quote.
Skye Schooley contributed to this review.
