Placed by Driscoll Insured · Long Beach, CA
Your work-comp policy never walks the floor.
Fieldside puts specialists on site — HR compliance, risk management, payroll, and a business consultant — inside the workers’ compensation program. Payroll is required. The rest is included. The bundle is usually less than a standalone policy.
Pay-as-you-go
Premiums follow actual payroll
No deposit
Cash stays in the business
No year-end audit
The books already match the coverage
Four specialists
HR, risk, payroll, consulting — on site
The usual arrangement
You buy a policy. Then you become the department.
California makes you carry workers’ compensation. It does not send anyone to your shop. So you pay the premium, then you still run payroll, still write the handbook, still walk the site after a near-miss, still become the HR manager you never hired.
Fieldside inverts that. The coverage comes with the people. Payroll is required because the premium is calculated from payroll — that is how deposits and audits disappear. HR, risk, and consulting come with it, and they take the place of employees you would otherwise have to hire.
You keep your crew. You keep the work. You stop paying for a policy that never shows up.
See how the program runsThe floor team
Four specialists. Assigned to your company.
01 · Replaces safety manager
Risk specialist
Walks the site. Lowers the mod.
02 · Replaces hr generalist
HR compliance specialist
California labor law, on your shop floor.
03 · Replaces payroll administrator
Payroll specialist
Required with the coverage. That’s the point.
04 · Replaces operations consultant
Business consultant
A partner for the decisions that stall at 20 people.
Standalone vs Fieldside
A policy is one line. The real cost is everything around it.
| Traditional work comp | Fieldside | |
|---|---|---|
| Workers’ compensation coverage | Policy only | Coverage inside the program |
| How you pay | Deposit + estimated premium + year-end audit | Pay-as-you-go off actual payroll |
| Payroll | You run it, or pay a separate vendor | Required, included, and reconciled to the coverage |
| HR compliance | You, or a hire | Named specialist, on site |
| Risk & safety | A poster, if you remember | On-site walks, training, claims, return-to-work |
| Business consulting | Not included | Named consultant on your floor team |
| Who you call | Carrier, TPA, payroll vendor, maybe a broker | Driscoll — and four specialists who already know the shop |
| Typical cost shape | Premium + salaries + vendor fees | Usually below a standalone policy, with the team included |
Who it is for
Built for shops where the work happens on a floor, a roof, a line, or a lot.
Construction & trades
Bids need coverage. Jobsites need someone who actually walks them. Fieldside is built for contractors who cannot afford a safety department — and cannot afford another claim.
HVAC, plumbing & electrical
Service vans, attics, ladders, and a crew that is never in one place. The risk specialist rides the pattern of the work, not an office org chart.
Landscaping & restoration
Seasonal headcount, heat, blades, and trucks. Payroll that flexes and a risk plan that does not wait until summer to exist.
Manufacturing & shops
Machines, mods, and the person who used to ‘handle HR’ from a desk by the floor. Specialists who will stand at the cell with you.
Restaurants & hospitality
Turnover, slips, cuts, and a kitchen that does not stop for paperwork. HR and payroll that can keep up with the line.
Growing shops of every kind
Warehouses, home care, transportation, professional offices — if you have employees in California, you need work comp. If you do not want to hire three more people to run it, you want Fieldside.
The math most owners skip
Count the people you would have to hire. Then look at the bundle.
Move the sliders. This is a sketch, not a quote — enough to see why Fieldside is usually cheaper than a standalone policy plus a payroll clerk, an HR generalist, and a safety hire.
Going it alone
- Standalone work-comp policy$153,000
- HR you’d otherwise hire$78,000
- Payroll you’d otherwise hire$64,000
- Safety you’d otherwise hire$92,000
- Owner time on the admin$26,520
Fieldside
- Workers’ compensation (pay-as-you-go)$134,640
- Program: payroll, HR, risk, consulting$37,620
Illustrative difference
$241,260kept
Four specialists on site, instead of hiring them. The specialists replace people you would otherwise have to hire — that is where the real gap is.
These figures use typical Southern California loaded salaries, a 3.8% program fee on assumed payroll, and a conservative 12% improvement on the work-comp rate. They are not a quote. Your comparison is built from payroll, class codes, and loss runs.
Request the real side-by-side
Independent, on purpose
You are not buying this from a 50-state brochure.
Kerry Driscoll is a fourth-generation agent. The agency sits on Willow Street in Long Beach and shops A-rated markets — including this program, and including traditional work comp when that is the cleaner fit. The job has not changed: discover the need, find the best protection at the best price.
Need a business owners policy, commercial auto, or personal coverage? That still lives at driscollinsured.com.
The agencyNext step
Put your current policy next to the bundle.
Independent advice from Long Beach. If Fieldside is not the better structure, we will shop a traditional market.