Compare
Put the policy next to the program.
Standalone work comp is a premium. Fieldside is a premium plus a floor team, usually priced below the policy you already have — because payroll, HR, risk, and consulting stop being separate line items.
| 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 |
Sketch the number for your shop.
Illustrative only. We quote from payroll, class codes, and loss runs — and we will say so if a traditional A-rated policy is the better structure.
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-sideNext 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.