Humano

What Humano does

Humano is a privately-held, San Francisco-headquartered Professional Employer Organization (PEO) and integrated business services provider founded in 2019 by Pranay Bhargava. The company targets small and mid-sized businesses concentrated in contractor, manufacturing, restaurant, and blue-collar verticals, delivering an integrated bundle of seven service modules: PEO services, business and personal insurance, pay-as-you-go workers' compensation, payroll, websites/marketing/accounting, health benefits/401K, and HR/legal. Operationally it is a services-based business — there is no proprietary technology platform — and the company stitches together payroll, workers' compensation, benefits, and HR compliance into a single workflow with QuickBooks integration as the only named system integration.

The revenue model combines service fees for PEO/HR/payroll/marketing/accounting work with insurance commissions from a network of 16+ A-rated carrier partners (including Obsidian, Hiscox, biBERK, CNA, AmTrust, Kemper, Pie Insurance, Coterie, Cowbell, and At-Bay). Pricing is fully custom and quote-based, billed monthly, with no standardized pricing tiers disclosed. Distribution is sales-led: a phone hotline, website quote-request forms, and a referral network of insurance brokers drive acquisition; consultative selling is the stated approach.

Humano maintains California offices in San Francisco, Los Angeles, San Diego, and Sacramento (with a Pleasant Hill mailing address) and positions itself as serving clients nationwide through distributed team members and carrier partner offices. The company is founder-owned and operated with no disclosed institutional investment, no funding rounds, and no M&A activity in the input data. There are no patents, regulatory actions, or AI/ML capabilities documented in the available material.

Name

Humano

Legal name

Humano

Website

https://humanoco.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Humano is a privately-held PEO and integrated business services provider founded in 2019, offering bundled payroll, insurance, workers' compensation, HR, benefits, and marketing/accounting services primarily to small and mid-sized contractors, manufacturers, restaurants, and blue-collar companies across the United States.

Ownership category

akta.pro rank

Product category

Professional Employer Organization (PEO) Services

NAICS

Professional Employer Organizations (561330), Professional Employer Organizations (56133), Employment Placement Agencies (561311)

SIC

Services-Employment Agencies (7361), Services-Management Services (8741)

akta.pro primary industry

Professional Employer Organization (PEO) / Co-Employment Services (BPACAHAB)

akta.pro secondary industries

Comprehensive HRO (Multi-Process HR Outsourcing) (BPACAKAA), Onboarding, Offboarding & Employee Lifecycle Administration (BPACAHAL), HR Compliance, Policy, EEO & Labor Law (BPACAPAM), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Professional employer organization
• Workers compensation insurance
• Small business payroll services
• Commercial insurance brokerage
• HR and benefits administration

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. PEO and HR Services: Humano provides Professional Employer Organization (PEO) services offering complete HR solutions including payroll management, employee benefits, HR support, tax administration, and regulatory compliance assistance. Revenue is generated through service fees charged to small and mid-sized businesses.
2. Insurance Products: Humano partners with multiple A-rated insurance carriers to offer business and personal insurance products including workers' compensation, general liability, commercial auto, health benefits, and more. Revenue is generated through commissions from insurance carrier partnerships.
3. Payroll Services: Full-service payroll processing with next-day direct deposit, automatic tax filings, and QuickBooks integration. Services are accessible online or over the phone with 24/7 support.
4. Business Services: Website development, digital marketing, print media, accounting, tax filings, financial statements, and bookkeeping services for business clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Humano is a Professional Employer Organization (PEO) and one-stop shop delivering integrated business services to small and mid-sized businesses. Its core offerings span PEO/HR, payroll processing, workers' compensation and commercial insurance, health benefits and 401K administration, HR/legal support, and websites/marketing/accounting — packaged for contractors, manufacturing, restaurants, and blue-collar companies nationwide.

Product overview

Humano is a one-stop-shop business services platform structured as a PEO (Professional Employer Organization) model. The company offers an integrated suite of seven core service modules: PEO services, Business and Personal Insurance, Pay as You Go Workers Compensation, Payroll, Websites/Marketing/Accounting, Health Benefits/401K, and HR/Legal. These services are designed to work together as a cohesive ecosystem for contractors, manufacturing companies, restaurants, and blue-collar businesses, with payroll integration serving as a central connector that links workers' compensation, health benefits, and HR compliance into a unified system.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Employer Organization (PEO) Complete HR co-employment solution for small and mid-sized businesses, bundling payroll management, employee benefits, HR support, tax administration, and regulatory compliance assistance into a single outsourced package.
• Business and Personal Insurance Insurance brokerage distributing business coverage (General Liability, Commercial Auto, Contractor Bonds, Business Owner's Policies, Umbrella Policies) and personal coverage (Homeowners, Life, Umbrella, Renters Insurance) through A-rated carriers with monthly payment options.
• Pay as You Go Workers Compensation Workers' compensation coverage priced against actual payroll rather than estimates, with $0 down-payment, automatic certificates of insurance, and simplified yearly audits, tailored to contractor classification codes and small business classes.
• Payroll Full-service payroll processing for SMB clients, including next-day direct deposit and checks, automatic quarterly and yearly federal and state tax filings, 24/7 support, new-hire paperwork, QuickBooks integration, and online tax reports.
• Websites, Marketing, and Accounting Business back-office and growth services including website creation, digital and print marketing, apparel design, social media management, marketing strategy, business and personal tax filings, financial statements, bookkeeping, and Profit and Loss statements.
• Health Benefits and 401K

Quantifiable outcome

• Save an average of $1,775 per employee per year with PEO services
• +1 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

13 partnerships are on record, tiered minor.

• ObsidianminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance products through Humano's distribution channel. Part of the network of A-rated carriers that Humano works with to provide business insurance solutions.
• HiscoxminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance coverage options. Hiscox is an A-rated carrier specializing in small business insurance.
• biBERKminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in workers' compensation and business insurance. Part of the Berkshire Hathaway portfolio.
• CNAminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance products. CNA is one of the larger commercial insurance carriers in the US.
• AmTrustminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing workers' compensation and small business insurance solutions.
• KemperminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial and personal insurance products.
• Pie InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in workers' compensation for small businesses.
• ClearminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance solutions.
• Berkley ManagementminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance coverage.
• CoterieminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance products for small businesses.
• CowbellminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing cyber and commercial insurance.
• At-BayminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in cyber insurance and risk management.
• AttuneminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance solutions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Rippling: Unified HR, IT, and finance platform with PEO services for SMBs; a modern, tech-led competitor pushing automation in onboarding and benefits — directly comparable bundle and target market.
• Engage PEO: Mid-market PEO providing full-service HR, payroll, benefits, and risk management to small and mid-sized businesses; comparable bundle and similar client size profile to Humano.
• Gusto: Direct competitor providing payroll, benefits, and HR administration to small businesses; one of the largest modern SMB PEO/HR platforms and a primary head-to-head for technology-forward SMB clients.
• Zenefits: PEO and HR software platform for SMBs offering payroll, benefits, and compliance; overlaps with Humano on the bundled SMB PEO value proposition.
• Justworks: Direct PEO peer offering payroll, benefits, HR, and compliance to SMBs across the U.S. with a tech-led, multi-product bundle very similar to Humano's core offering.
• Insperity: Long-standing PEO competitor offering workforce solutions, HR, payroll, and benefits to SMBs and mid-market; closely comparable operating model and target client profile.
• TriNet: Established PEO providing full-service HR, payroll, benefits, and risk management to SMBs and mid-market companies; serves a similar vertical span and competes on bundled PEO value.

Broad incumbents

• ADP TotalSource: ADP's PEO division, leveraging ADP's incumbent payroll and HR infrastructure to serve SMB PEO clients; competes head-on with Humano while offering broader enterprise scale.
• OneDigital: Larger insurance, benefits, and HR consulting firm with PEO and workforce solutions capabilities; competes in adjacent SMB/mid-market benefits-and-HR advisory space.
• Paychex: Large incumbent in payroll and HR solutions with PEO capabilities (Paychex PEO) serving SMBs across verticals; relevant competitor for the payroll + benefits bundle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/humanobuilt?fbclid=IwY2xjawHWrSRleHRuA2FlbQIxMAABHdmNQxOYnaFTXodBoNrF0AyYNpnmZHba8x6M9gZ-x7AT17o4AjtljMeSVw_aem_przMrILJYIiEVMQlaglv9g
• YouTubeyoutube.com/@humanoco4543
• Facebookfacebook.com/profile.php?id=61556879706028&sk=about_contact_and_basic_info
• LinkedInlinkedin.com/company/humanoco
• Instagraminstagram.com/gohumano
• TikToktiktok.com/@humanobuilt?fbclid=IwY2xjawHWrMhleHRuA2FlbQIxMAABHW9VVukyyoZMZtSq3sCUZQjGiQsskjB5zovdfdegfZZE-mevOm5ygv7q2A_aem_apkPIon_LphwYa-6kBTnIQ

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Humano