Risk Management

Coverage you can count on. A team built to reduce risk.

Workers’ comp, EPLI, and cyber insurance, backed by safety specialists and HR professionals who help reduce risk before anything goes wrong.

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Features

Prevention first. Coverage when it's needed.

Most insurance providers hand you a policy and step away. CoAd gives you a dedicated risk management team of safety specialists, HR professionals, and claims administrators who work proactively to reduce exposure long before a claim is filed.

Workers' Compensation Support

When an injury happens, we're in your corner from hour one.

Workers' comp coverage is backed by 24-hour injury reporting, full claim administration, coordination with medical providers, and a dedicated team that gets return-to-work planning started right away. You don't have to manage any of it alone.

EPLI (Employment Practices Liability Insurance)

Protection against wrongful employment claims, up to $1M per claim.

Discrimination, harassment, retaliation, wrongful termination, and workplace tort claims can come from current employees, former employees, or applicants. EPLI coverage provides up to $1,000,000 per claim, along with access to HR professionals who review your practices and help train your managers to reduce exposure before a claim is ever filed.

Cyber Insurance Without the Complexity

Digital threats are real. Coverage shouldn't be complicated.

Data breaches, ransomware, and cyber threats affect businesses of every size, not just large corporations. Cyber insurance helps protect your business from the costs of a breach or attack, and is available as an add-on to any payroll plan or included with PEO services.

Proactive Safety Services

The best claim is the one that never happens.

Our risk management team comes to your worksite, evaluates your safety conditions, develops written safety programs specific to your industry, provides OSHA compliance guidance, and investigates serious incidents to prevent them from happening again. Proactive safety is what separates a good risk partner from one that just processes paperwork.

What our customers are saying

For the people,
behind the people.

2,400+

Employees

"Together, we’ve built something that works—a structured, scalable HR system that integrates new teams quickly while maintaining operational excellence."

“I hate change. It makes me very nervous. Most people do, especially when things like payroll systems are changing. But CoAdvantage made it so easy."

“Working with CoAdvantage is great because we have a team that covers everything: payroll, benefits, legal compliance. There’s always someone I can talk to and get an answer from right away, whether that’s by email or on the phone.”

Liliana Herbert

Senior HR Executive

Technology

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Pricing

Pricing built around
your needs.

Every business is different. That’s why we work
with you to create a solution that fits
your workforce, goals, and budget.

DIY

You run it

Base

Software handles payroll. You make every decision. US phone support included.

$55/mo

+ $5 per employee

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No credit card required

Unlimited payroll runs

Federal & individual payroll tax filing included*

2-day direct deposit & paycards

I-9, new hire reporting

Phone & chat support

Federal + individual states handbooks, Mineral LMS

Expert Assist

Help when you need it

Pro

Everything in Base, plus an on-demand HR advisor. Call when you have a question.

$85/mo

+ $6 per employee

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No credit card required

Everything in Base, plus:

Multi-state payroll tax filing

Time & attendance included

Federal + master handbook that covers all states, core course catalog, HR expert support

Custom

We build it together

Custom

Your business is complex. We design a package around your specific needs.

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Tailored to your business

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Typically responds within 1 business day

Everything in Pro, plus:

Dedicated account manager

Custom integrations

Bespoke reporting

Multi-location support

All plans include a 30-day money-back guarantee. Prices shown are per month billed monthly.

*Additional states can be added for $7.50, up to 4 states

FULL SERVICE

We handle it all

PEO

Named advisor or co-employer. You focus on the business. We manage HR operations — end to end.

Named HR advisor

Co-employer relationship

Benefits administration

Full payroll management

Risk & compliance management

Consultative onboarding included

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Typically responds within 1 business day

CoAd Pay vs. CoAd PEO

Detailed feature comparison across CoAd Pay and PEO.

CoAd Pay

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CoAd PEO

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Workers' Compensation

Workers' Comp Coverage

Add-on

24-Hour Injury Reporting & Claim Administration

Add-on

Return-to-Work Planning & Medical Coordination

Employment Practices Liability Insurance (EPLI)

EPLI Coverage - Up to $1M per Claim

HR Review of Practices & Manager Training

Cyber Liability Insurance

Add-on

Proactive Safety Services

On-site Worksite Safety Evaluations

Written Safety Programs & OSHA Guidance

Loss Trending Analysis & Incident Investigation

FAQ

Got questions?
We have answers.

Everything you need to know before you get started.

Is workers' compensation included in my plan?

Workers' comp is available as an add-on to Base and Pro bundles, and is included as part of the CoAd PEO co-employment relationship. Talk to your account team about the right structure for your business.

What does EPLI actually cover?

EPLI covers claims from current, former, or prospective employees alleging discrimination, harassment, wrongful termination, retaliation, or workplace tort. Coverage through CoAd is up to $1,000,000 per claim.

Do you come to our location for safety evaluations?

Yes. CoAd's risk management team conducts on-site worksite safety evaluations for PEO clients — identifying hazards, reviewing your safety programs, and giving you specific recommendations to reduce injury risk.

Can I add cyber insurance to my current plan?

Yes. Discounted cyber insurance is available as an add-on to Base and Pro. It's also included in all PEO plans. If you're not sure whether you need it, let's talk — the risks are bigger than most people expect.

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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