Insured Solutions

What Insured Solutions does

Insured Solutions is a national General Agency headquartered in Duluth, Georgia (Atlanta metro), operating as a subsidiary of VensureHR and distributing alternative workers' compensation insurance, risk management services, and related coverages through a network of over 15,000 independent insurance agents across the United States (excluding monopolistic workers' comp states). The company targets employers in high-risk industries — including construction, transportation, manufacturing, parcel delivery, and small businesses with five or fewer employees — that cannot obtain coverage through standard markets due to poor claims history, high experience MOD, canceled or non-renewed coverage, or new-venture status.

The firm's technology stack centers on the Ibynd-powered Biberk Agent Desktop Quoting Tool for online quote/bind/service of Berkshire Hathaway workers' compensation accounts, the proprietary PayGo Online Reporting Module for payroll data upload, reconciliation, and payment, and dual client/employer web portals providing online time entry, direct deposit, W-2 processing, time clocks, and CPA payroll/tax portal access. Operational services include a 24/7 nurse hotline staffed by registered nurses for proactive injury triage, RN case managers engaging within 24 hours of any workplace injury, in-house adjusters maintaining contact with carriers, and a Risk Management Team conducting OSHA compliance assessments, safety policy reviews, light-duty return-to-work programs, and drug-free workplace assistance.

Insured Solutions earns revenue primarily through insurance agency commissions from A-rated carriers (Zurich, Sunz, Benchmark, Biberk/Berkshire Hathaway, State National) on alternative-risk placements and PEO program fees, with agents earning 8-15% commissions on PEO sales without year-to-year servicing obligations. Go-to-market combines a multi-channel digital presence (website, blog, video library, social media) with distributed agent-channel origination across programs including SourceOne (combined payroll, WC, GL, EPLI, risk management), Commercial Advantage (GL and EPLI for contractors), PEO Exchange (PEO marketplace), and the signature PayGo program offering pay-as-you-go workers' compensation without year-end audit surprises. The company is a NAPEO associate member and holds a California insurance license through IS Agency, LLC (#6001800).

Name

Insured Solutions

Legal name

Insured Solutions, Inc.

Website

https://insuredsolutions.net

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Insured Solutions is a national General Agency distributing alternative workers' compensation, risk management, GL, and EPLI programs through a network of over 15,000 independent agents, serving construction, transportation, manufacturing, parcel delivery, and small-business employers unable to obtain coverage in standard markets.

Ownership category

akta.pro rank

Product category

Workers' Compensation Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Professional Employer Organizations (561330)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Workers’ Compensation for Small Business & Pay-As-You-Go Programs (FSAJAEAG)

akta.pro secondary industries

Self-Insured Workers’ Compensation Programs (FSAJAEAD), Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)

Keywords

• Workers compensation insurance
• Alternative risk insurance
• Professional employer organization
• General insurance agency
• Commercial insurance programs

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Agency Commissions: Insured Solutions operates as a General Agency earning commissions from insurance carriers for placing workers' compensation and related coverage. Agents earn 8-15% commission on PEO sales. The company receives commissions from A-rated carriers for alternative risk workers' comp placements.
2. PEO Program Fees: Revenue generated through partnerships with premier PEOs where Insured Solutions assists with submissions, placement, and client enrollments for combined payroll services, workers' compensation, risk management, EPLI and GL on a pay-as-you-go basis.
3. Premium-Based Pricing: Various programs have minimum premium requirements including $500 for artisan contractors, $1,250 for general contractors, $25K minimum in California and $10K in other states for parcel delivery. Biberk program has $125K max premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Insured Solutions is a national General Agency that distributes alternative-market workers' compensation insurance, general liability, EPLI, and bundled PEO/payroll programs to high-risk industry employers through a network of more than 15,000 independent insurance agents. Programs include SourceOne (combined payroll + WC + risk + GL/EPLI), PayGo (pay-as-you-go WC without payroll), Commercial Advantage, PEO Exchange, Biberk, and industry-specific placements for construction, parcel delivery, and small business. Revenue is earned through carrier commissions and PEO placement fees, with pay-as-you-go billing, proactive RN-led injury case management, and integrated risk management services bundled into every placement.

Product overview

Insured Solutions is a national General Agency specializing in alternative insurance markets, offering a portfolio of integrated workers' compensation and HR solutions. The core offering consists of several distinct programs: PayGo (standalone workers' comp with risk management, GL, and EPLI without payroll), SourceOne (comprehensive division combining payroll, workers' comp, risk management, GL, EPLI, HR 360, and 401(k) on pay-as-you-go), PEO Exchange (marketplace connecting agents with PEOs), Commercial Advantage (general liability and EPLI), and Biberk Agent Desktop (digital quoting tool powered by Ibynd for Berkshire Hathaway workers' comp). Additional specialized programs target small business, construction, parcel delivery, and high-risk industries. The company provides integrated risk management, claims management, and payroll administration services alongside its insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• SourceOne: A division of Insured Solutions that combines payroll services, workers' compensation insurance, risk management, GL and EPLI on a pay-as-you-go basis.
• PEO Exchange
• Commercial Advantage
• PayGo
• Biberk

Products and services

• SourceOne A division combining payroll services, workers' compensation insurance, risk management, general liability, and EPLI on a pay-as-you-go basis. Includes PEO co-employment, payroll processing, HR 360, risk management, 401(k) retirement, time and attendance, and injury care services for employers in high-risk industries. Delivered through SourceOne Carrier Information brochures and available in all but monopolistic states.
• PEO Exchange A platform assisting agents with PEO submissions, placement, and client enrollments. Combines payroll services, workers' compensation, risk management, EPLI and GL on a pay-as-you-go basis through partnerships with the nation's premier PEOs. Targets construction, trucking/transportation, and high MOD manufacturing clients needing co-employer relationships to access better workers' comp rates.
• Commercial Advantage A division offering commercial general liability and EPLI on a pay-as-you-go basis. Includes Artisan Contractors (minimum premium $500) and General Contractors (minimum premium $1,250) GL with limits up to $1M per occurrence / $2M aggregate and 15% down payment, plus EPLI with $1M annual / $2M aggregate limits, no upfront costs, and a $25,000 deductible.
• PayGo Workers' Compensation Signature program delivering workers' compensation insurance, risk management, general liability, and EPLI on a pay-as-you-go basis without bundled payroll services. Features the proprietary PayGo online reporting module for uploading payroll data, receiving submission reminders, and making online payments. Includes blanket additional insured, waiver of subrogation, and limits up to $1M per occurrence / $2M aggregate.
• Biberk Agent Desktop Quoting Tool An online quoting, binding, and servicing platform powered by Ibynd that lets independent agents write workers' compensation accounts as if they held their own Biberk retail appointment. Biberk is an A-rated Berkshire Hathaway carrier writing construction, transportation (including towing and parcel delivery), manufacturing/warehousing/light industrial, security guards, mold remediation, and more across all states with a $125K maximum premium, including start-ups.
• Small Business Workers' Comp Program A-rated workers' compensation program for contractors and small business owners with five or fewer worksite employees. Nationwide coverage on a pay-as-you-go basis with required weekly or bi-weekly payroll frequency. Excludes roofing, tree trimming, trucking, sewer construction, and staffing.
• Parcel Delivery Workers' Comp Program A-rated workers' compensation program for parcel delivery service businesses. National coverage on a pay-as-you-go basis with no payroll services required. New venture companies are accepted contingent on an owner resume showing three years of industry experience. Minimum premiums are $25,000 in California and $10,000 in other states.
• Construction Workers' Comp Program Workers' compensation program designed for construction clients, distributed through independent insurance agents. Targets contractors and construction firms that are typically declined or priced out of standard workers' compensation markets and need A-rated alternative-market placement.
• Risk Management Services Risk management service including review of current safety policies and procedures, written safety requirements, OSHA compliance needs assessment, light-duty return-to-work programs, and drug-free workplace assistance. Bundled with Insured Solutions workers' compensation placements and supported by the client/employer web portal with online time entry, employee maintenance, direct deposit, W-2 processing, time clocks, and CPA payroll and tax portal access.
• Injury Care Direct (24/7 RN Hotline) Staff RN service available 24 hours per day, 7 days per week to provide proactive medical advice and intervention to injured and ill employees at the time of incident. Complements Insured Solutions' workers' compensation claims workflow in which RN case managers contact the injured worker, doctor, and client within the first 24 hours of a workplace injury.

Quantifiable outcome

• RN case managers on phone with injured worker, doctor, and client within first 24 hours of workplace injury
• +4 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• NAPEO (National Association of Professional Employer Organizations)coreOthersAssociate Member of NAPEO, demonstrating commitment to the PEO industry and adherence to professional standards. NAPEO is the national trade association for the PEO industry.
• Zurich Insurance GroupcoreStrategic or Co-development PartnerSourceOne PEO Program partner offering Combined Workers' Comp and Payroll Services. Zurich provides A-rated workers' compensation coverage available in all but monopolistic states. Program includes 48-72 hour turnaround.
• Sunz InsurancecoreStrategic or Co-development PartnerSourceOne PEO Program partner (Benchmark/Sunz) providing Combined Workers' Comp and Payroll Services. A-rated carrier available in AL, AR, AZ, DE, FL, GA, IN, KY, LA, MS, MO, MT, NC, OK, TN, TX. 48-72 hour turnaround.
• Benchmark InsurancecoreStrategic or Co-development PartnerSourceOne PEO Program partner offering Combined Workers' Comp and Payroll Services alongside Sunz. A-rated carrier available in select states with 48-72 hour turnaround.
• Biberk (Berkshire Hathaway Company)coreStrategic or Co-development PartnerNew Biberk Agent Desktop Quoting Tool enables agents to quote, bind, and service workers' comp accounts as if they had their own Biberk retail appointment. A-rated carrier writing Construction, Transportation, Manufacturing, Security Guards, Mold Remediation and more in all states with $125K max premium.
• Nation's Premier PEOscoreStrategic or Co-development PartnerInsured Solutions has partnered with the nation's premier PEOs to assist agents with submissions, placement, and client enrollments. These PEOs combine payroll services, workers' compensation, risk management, EPLI and GL on a pay-as-you-go basis.
• State NationalminorStrategic or Co-development PartnerCarrier partner mentioned in SourceOne Carrier Information brochure providing claims TPA, rating and MPN information for workers' compensation coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• VensureHR: Insured Solutions' parent company and a leading PEO providing payroll, HR, benefits, and workers' comp solutions nationwide. Highly comparable as the corporate umbrella under which Insured Solutions operates SourceOne and PEO Exchange bundles.
• AmTrust Financial Services: Major workers' compensation carrier and PEO partner with strong small-business and high-risk industry focus. Comparable to Insured Solutions as both underwrite and distribute WC for difficult-to-place accounts including construction, transportation, and manufacturing.
• The Hartford: Large national workers' comp and small-business insurance carrier with broad industry coverage. Comparable as a competing carrier option for the same small contractor and high-risk segment, though at much larger scale and broader product breadth.
• Paychex: Major payroll and HR solutions provider with PEO services and workers' comp offerings for SMBs. Comparable as a competing PEO/payroll provider that also distributes workers' comp, partially overlapping with SourceOne and PEO Exchange bundles.

Direct peers

• Pie Insurance: Tech-enabled workers' compensation carrier focused on small businesses with pay-as-you-go pricing and digital quoting. Comparable to Insured Solutions as a direct competitor in the digital SMB workers' comp market, particularly against PayGo and Biberk programs.
• NEXT Insurance: Digital insurance carrier offering workers' comp and GL to contractors and small businesses with instant online binding. Comparable as a tech-forward competitor targeting the same contractor/SMB segment Insured Solutions serves via Commercial Advantage and PayGo.
• Berkshire Hathaway Specialty Insurance (Biberk): Biberk, a Berkshire Hathaway company, is a direct carrier partner and competitor to Insured Solutions offering workers' comp for construction, transportation, and manufacturing. Insured Solutions' Biberk Agent Desktop program competes against Biberk's own retail agent channel for the same agent-submitted business.
• Employers Holdings: Workers' compensation specialty insurer focused on small businesses in low-to-medium hazard industries. Comparable as a WC-focused carrier serving similar agent-distributed, pay-as-you-go accounts and competing for placement on small contractor business.

Emerging players

• Hiscox: Specialty insurer offering workers' comp, GL, and EPLI to small businesses and professionals with strong digital distribution. Comparable as a competing carrier for the same small commercial accounts Insured Solutions targets via Commercial Advantage and PayGo.
• Founder Shield: Specialty insurance brokerage focused on venture-backed and high-growth startups, distributing workers' comp and other commercial lines through digital tools. Comparable as a tech-enabled insurance agency targeting difficult-to-place commercial risks with agent and partner distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/InsuredSol
• Facebookfacebook.com/insuredsolutions
• LinkedInlinkedin.com/company/insured-solutions-inc-?goback=.nmp_*1_*1_*1_*1_*1_*1_*1_*1_*1_*1&trk=NUS-body-company-name

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insured Solutions