Construction

CoAd for Construction. Built for you.

You focus on the jobsite. We take care of your payroll and HR.

Why

You keep your jobsites running, and then some

In construction, every project deadline counts, but workers' comp, safety, and payroll compliance never seem to slow down. Multiple pay rates by project and worker classification, union and non-union pay scales, certified payroll requirements, and high injury exposure make accurate tracking and compliance a major challenge. Staying on top of every detail can feel impossible when you're also responsible for keeping projects on schedule and your crews protected.

92%

92% of construction firms report difficulty filling open positions, making labor shortages the industry's top workforce challenge.

20%

Construction workers represented 20% of all U.S. workplace fatalities in 2024, underscoring why workers' comp coverage is critical in this industry.

$43 Million

The federal government recovered $43 million in incorrect and misclassified pay across 18,000 construction workers in 2025, a direct result of certified payroll and prevailing wage violations.

https://www.agc.org/sites/default/files/users/user21902/2026%20Workforce%20Survey%20Analysis%20(4).pdf

https://www.bls.gov/opub/ted/2026/fatal-work-injuries-declined-in-2024.htm

https://www.dol.gov/agencies/whd/data/charts/low-wage-high-violation-industries?_sp=90fb60b9-bff9-4597-9ca3-b6c32357f482.1788972965444

Features for Construction

Focus on the build, let us handle the rest.

Workers’ Comp & Safety, Handled

Get discounted rates and coverage that keeps your business and people safeguarded, either pay-as-you-go, or if you enter a PEO relationship, we handle WC and claims for you, plus proactive safety support to prevent injuries before they happen.

Access competitive pay-as-you-go workers' comp rates without large upfront premiums.

Let us manage claims from start to finish when you're in a PEO relationship, from job site falls to equipment-related injuries.

Get a safety evaluation, custom safety program, and OSHA compliance guidance to stay ahead of incidents and regulations when you use us for PEO.

Payroll Compliance, Managed for you

Stay compliant with payroll regulations specific to construction, including certified payroll, rates across different projects and workers, and logging hours to the correct job.

Get accurate job costing so labor costs are tracked to the right project, every time.

Let us handle payroll and HR administration for you, including certified payroll reporting.

Use integrated time & payroll so hours flow straight into pay without manual re-entry or misallocated job codes.

Affordable, Flexible Benefits

Get benefits that actually fit a construction budget. When workers' comp already eats a big chunk of the budget, real medical coverage can feel out of reach, nontraditional options make it realistic.

Access ICHRA and level-funded plan options built for tighter margins.

Offer low-cost, ancillary coverage, urgent care, dental, vision, life/disability, and financial wellness programs.

Compete for skilled trades with real benefits, without the enterprise price tag.

Reviews

What CoAd customers are saying

Employees

"My life has been made easier. I’m very happy with the time savings CoAd Pay and eRSP have brought to the business."

Sandra Kinney

RN, BSN, Co-founder

Home Health and Caregiving

Employees

“Our staffers come from both Pennsylvania and Delaware. That means paying taxes to a variety of states and municipalities with different tax regimes."

Karen DeRasmo

Owner

Food Service

FAQ

Got questions?
We have answers.

Everything you need to know before you get started.

Payroll Software FAQs

Can your system handle certified payroll reporting?

How does job costing work with your payroll system?

Time and pay are tracked to the correct project automatically, so labor costs land against the right job without manual allocation or spreadsheet reconciliation.

Can your payroll system handle workers who move between multiple projects or pay rates?

Yes. It's common for crews to work across multiple jobsites or rates in the same period. Our system supports multi-rate payroll natively, so pay and job costing stay accurate no matter how many projects an employee touches.

How do you handle both union and non-union payroll?

Our system supports union contract adherence alongside standard payroll, so you can manage both workforces without separate systems.

Can staff access pay stubs, tax forms, and direct deposit info themselves?

Yes, employees get self-service access to pay stubs, W-2s, and direct deposit settings, reducing the number of routine payroll questions your office staff has to field.

How do you handle payroll taxes and filings across multiple states or job sites?

We manage state and federal payroll tax filings on your behalf, which matters most for contractors working across state lines, since filing requirements can vary significantly by state.

PEO Offering FAQs

Is a PEO right for a small contractor, or only larger firms?

How does workers' comp work if we're not ready for a full PEO relationship?

You don't have to choose all-or-nothing. We offer pay-as-you-go workers' comp so you get competitive rates and coverage without a large upfront premium, and you can layer on full claims management and WC compliance support later if you move into a PEO relationship.

Do you help with safety programs, or just insurance?

Safety program support is available as part of a PEO relationship, including a safety evaluation, custom safety program, OSHA compliance guidance, and incident investigation support, built to reduce injury risk before it turns into a claim or a lawsuit. Additionally, if you qualify, working an active safety program with us can earn you up to 25% of your premium back in safety credit. It's a direct financial incentive for the safety work you're already doing.

What happens to our current benefits if we switch to a PEO?

You have flexibility here. Many contractors move to the PEO's benefits options to take advantage of pooled buying power across clients, but you can also keep your own existing benefits plans if you prefer. We'll walk through both paths and show you what's available before you make any changes.

Do you offer benefits plans that fit a smaller contractor's budget?

Yes, we offer nontraditional options like ICHRA and level-funded plans, along with low-cost ancillary coverage (urgent care, dental, vision, life/disability) and financial wellness programs, built so real benefits are realistic even when workers' comp is already a major cost.

Will switching to a PEO affect our crews' employment status?

No. Employees keep their same jobs, roles, and reporting structure. Under a PEO's co-employment model, we handle the administrative employer responsibilities (payroll, benefits, compliance) while you continue directing day-to-day project work.

How can a PEO help with the labor shortage and keeping good crews?

Beyond payroll and safety, a PEO gives you access to real benefits and HR expertise. Helping you compete for electricians, welders, equipment operators, and other in-demand tradespeople against larger firms that might otherwise out-hire you on benefits alone.

What happens if we have a certified payroll error or job costing mistake, can you help?

As your PEO partner, reducing that risk in the first place is the goal, automated certified payroll and job costing are built to keep every pay period compliant and accurate. If a compliance question does come up, HR advisor support is available to help you navigate it.

Let’s get to work

Your team. Your needs.
HR that’s built for you.

HR is full of choices. We’ve got a plan that’s right for you.

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