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Best PEO for Small Businesses

Insperity Review

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.

Insperity provides flexible service options for small businesses. Many competitors provide one-size-fits-all solutions. Insperity will work with your business to find the right services for your company. 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 specific situation.

Editor's note: Looking for information on PEOs? Use the questionnaire below, and our vendor partners will contact you to provide you with the information you need:

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

Here's why:

Tailored service: Instead of working with a one-size-fits-all PEO solution, 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 services and HR solutions, Insperity can start you 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.

Contract structure: Insperity doesn't require a long-term contract, and business owners can cancel their service as long as they provide 30 days' notice. This is a standard feature among many PEO services we evaluated. While there is a five-employee minimum requirement, Insperity charges a per-employee fee as opposed to taking a percentage of total payroll. This means that your costs – not including healthcare, benefits costs, payroll taxes and workers' compensation – will remain the same as long as the number of workers remains the same.

Hands-on service: Insperity provides a team of experts to handle your HR, benefits, payroll and risk management needs. You can collaborate with these experts on developing HR policies, selecting the right benefits packages and addressing compliance issues. This service team is standard with many 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 several services for small businesses. Small business owners can find support in HR solutions, risk management and benefits administration. It also offers some of the most extensive training resources of any company we reviewed. Other services Insperity offers include:

  • Recruitment services
  • Employee onboarding
  • Employee screening
  • Handbook and policy development
  • Performance management
  • Termination and dispute assistance
  • Workers' compensation
  • Safety training
  • Safety program assistance
  • ACA compliance assistance
  • Onsite safety inspections
  • Time and attendance tracking and software
  • Paid time off accrual tracking
  • Wage garnishments
  • Health, vision and dental benefits administration
  • Employee assistance programs

One area where Insperity excels is with the training resources it offers. Businesses have access to 3,000 online courses, 15,000 digital books as well as 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 training. Insperity's training resources were one of 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 offer. ESAC is an independent PEO rating organization that grades PEOs on the quality and depth of their services. Insperity also has a solid score with the Better Business Bureau. It earned an A+ with the company and is an accredited business with the BBB. This is a high score compared to some companies we reviewed, which 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 were 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 helped explain 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. However, other companies we reviewed provide multiple health plans from multiple different companies.

Businesses looking to provide workers with multiple healthcare options need to consider this while looking at Insperity. 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.

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

Editor's note: Looking for information on PEOs? Use the questionnaire below, and our vendor partners will contact you to provide you with the information you need:

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Matt D'Angelo

Matt D’Angelo is a Tech Staff Writer based in New York City. 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. Matt joined the staff in 2017 and covers technology for Business.com and Business News Daily.