Employee Leasing Arrangements and/or Professional Employer Organization (PEO) Arrangments.

An Employee Leasing Company, PEO, and/or labor contractor seeking to obtain workers compensation benefits for leased workers through the FWCJUA shall secure the coverage for the leased workers on a multiple coordinated policy basis (MCP). An MCP basis is a form of policy issuance used to provide workers' compensation and employer's liability insurance for the leased workers of a PEO. Under the MCP basis, policy issuance will be as follows:

• The Employee Leasing Company and/or PEO will have its own standard policy covering only its direct workers.
• Each client also has its own standard policy covering its leased workers.
• Endorsements are used to coordinate coverage between the client and the Employee Leasing Company and/or PEO in accordance with FWCJUA rules.

On the other hand, an Employer, who is a client in an employee leasing and/or PEO arrangement that secures coverage directly through the FWCJUA will be required to cover any and all of its leased workers on the FWCJUA policy and shall be responsible for paying premium to the FWCJUA that includes any and all of its leased workers' payroll in addition to its direct employees (non-leased workers), regardless of whether the Leasing Company and/or PEO provides workers' compensation and employer's liability insurance for any or all of the leased workers.

By the way, the FWCJUA will issue an "if any" policy for an eligible Employer who leases all of its employees only if the Employer's leasing company and/or PEO is also insured by the FWCJUA. If the Employer's leasing company and/or PEO is not insured by the FWCJUA, the FWCJUA will not issue the Employer an "if any" policy.

For further details regarding Employee Leasing and/or PEO Arrangements, please refer to the FWCJUA Operations Manual, Part Six - Coverage and Rating Rules and Procedures section.

For more information, contact our Underwriting Department at 941-378-7400 or e-mail underwriting@fwcjua.com.