Payroll & HR Solutions for Special Trade Contractors

Why

You keep your store moving, and then some

You didn’t get into the trades to spend your day on payroll reports, workers’ comp, or compliance paperwork. But as jobs and crews multiply, certified payroll, job costing, worker classification, safety, and benefits all get harder to manage, and mistakes can hit your bids, your margins, and your ability to keep licensed workers. CoAd handles it, so your crews can stay productive and you can focus on running the job.

92%

92% of construction firms reported difficulty filling open positions in a 2025 nationwide industry survey.

439,00

The construction industry needed an estimated 439,000 additional workers in 2025 to keep pace with demand.

2.3 per 100

Specialty trade contractors recorded 2.3 workplace injury and illness cases per 100 full-time workers in 2024.

https://www.agc.org/news/2025/08/28/construction-workforce-shortages-are-leading-cause-project-delays-immigration-enforcement-affects

https://www.abc.org/News-Media/News-Releases/abc-construction-industry-must-attract-439000-workers-in-2025

https://www.bls.gov/IAG/TGS/iag238.htm

Features for Special Trade

Keep your customers happy and your stores staffed. Let us handle the rest.

Workers’ Comp & Safety, Handled

Get workers’ comp coverage built for licensed trade work, 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 ladder work to refrigerant handling and electrical hazards.

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 That Follows the Job

Get payroll right across technicians, crews, service calls and projects, without stitching together hours and job costs manually.

Connect time and payroll so hours are captured accurately.

Tie labor to the correct jobs and cost codes for better visibility into job costs, bidding, and margins.

Get support for certified payroll, where applicable.

Flexible Benefits for Special Trades

Under a PEO relationship, choose benefits options that actually fit your SPECIAL TRADE business, we'll help you stay ACA compliant with coverage that works for your team and your budget.

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

Offer earned wage access and other ancillary benefits, urgent care, dental, vision, life/disability, and financial wellness programs, that give employees financial breathing room and give you a reason they stick around.

Turn benefits into a recruiting and retention tool for the licensed talent that’s hardest to replace.

Reviews

What CoAd customers are saying

99

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

30

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 CoAd handle payroll for technicians working across different jobs and projects?

Can you support certified payroll?

Can we track different pay rates?

Does CoAd support job costing?

PEO Offering FAQs

Is a PEO useful for a small trade contractor?

How does CoAd help with workers’ comp?

What safety support is available?

How does the safety credit work?

Qualifying mid-market special trade contractors, typically 25–50 employees with $100K+ in premium, who participate in a safety program may be eligible for up to 25% of their premium back in safety credit.

Can you help us compete with larger companies on benefits?

Yes. CoAd offers flexible options including ICHRA, level-funded plans, lower-cost coverage, and ancillary benefits designed to make benefits more realistic for contractors.

Can you support multiple crews or locations?

Yes. CoAd can help standardize payroll, benefits, workers’ comp, safety, and HR processes as you add crews, trucks, and locations.

Will using a PEO change how I manage my technicians?

No. You still manage your employees and field operations. CoAd handles administrative employer responsibilities under the co-employment relationship.

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.

Get Started

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