Focus on the business you love knowing that we've got you covered

Positive Cash Flow

Top-rated workers’ compensation and payroll services create a true pay-as-you go system.

Safety & Loss Control

Safety training materials and loss control specialists who understand your business ensure you remain OSHA compliant.

Proven Claim Services

Expert claims managers and care-centered services keep claim costs down and get injured workers back to work.

SolutionOne® is a comprehensive business protection program for small to mid-size companies.

Reliable Payroll Services and A Cash Flow Advantage

Payroll & Premium Always Up to Date We calculate and collect premium with each payroll so there are no surprises down the road to disrupt your cash flow.

Guaranteed 100% Accurate and On Time We schedule your payroll to when you need it and track it throughout the process to ensure on-time delivery. If an error or late delivery is our fault, we pay all incidental costs up to $1,000 per paycheck per payday.

One Convenient Statement We make it easy: each payroll cycle, everything you need arrives in one convenient, integrated statement for all charges, coverages, and services.

Dedicated Support Our account managers help you through each step of transitioning your payroll, doing the hard work and answering your questions along the way.

Essential Resources to Reduce Business Risk

Loss Control Experts
Highly trained loss control specialists support you in managing workplace safety and hiring the right people.

Safety Training Materials
Comprehensive safety training materials customized for your industry help you run safety meetings and stay OSHA compliant.

Risk Management Tools
Uncover potential hiring issues and identify employees who may pose a risk to job-site safety with background checks and easy-to-use drug screening kits.

Care-Centered Claim Services Help Get Your Employees Back to Work

Dedicated Claim Adjusters
We assign our claim adjusters fewer cases—almost half the industry average—giving them time to focus on your claims. We combine this with an advocacy-based approach that will get your injured workers back to work, saving you time and money.

In-House Pharmacy
Our in-house pharmacy—one of the first of its kind among insurance companies—yields cost-savings by eliminating outsourced providers and unnecessary prescriptions that can prolong lost time. As an added layer of control, we securely deliver medications directly to the injured worker’s home via FedEx with signature required for release.

Rigorous Cost Control
Our internal Medical Bill Review staff audits all medical documentation, coding, and reimbursements to identify over-billing and duplication, resulting in an average savings of 50-55% in most states, with some reaching savings over 70%.

Return-to-Work Programs that Work
Our Revive® return-to-work programs provide injured workers the resources they need to help resume daily routines. Our mindful coaching prioritizes what is best for you and your injured worker: ensuring a smoother, swifter transition back to work that contributes to quicker claim closure and lower claim costs.

Find out more about our care-centered services and pharmacy at Promesa Health®

Measurable Results
Lower caseloads and more empowerment for claim adjusters accelerate the claim process. Faster claim case closures mean lower claim costs.

Closure Rates

Safeguards to Protect Your Business

Top-Rated Workers’ Comp
Our carriers are rated ‘A-’ (Excellent) by AM Best and are licensed in all jurisdictions. Our financial strength and flexibility give you the freedom you need to keep your business growing.

Employment Practices Liability
What has traditionally been difficult to secure for small businesses is easy and affordable through SolutionOne®. Our Employment Practices Liability Insurance (EPLI) provides defense-only coverage up to $100,000 per claim.

Service Guarantees
Our service commitment is 100% accuracy. That means guaranteeing our work with warranties to cover any penalties that may be assessed due to an error or omission by us.


Customers Stay with SolutionOne®

From administrative and budgeting responsibilities to regulatory compliance, business owners have a lot on their plate. SolutionOne® boasts one of the industry’s highest customer retention rates because it frees you up to focus on profitability, which is why you got into business in the first place.


SolutionOne® provides seamless payroll management and top-rated workers’ compensation insurance, help with safety and loss prevention, and best-in-class claim services—all within a single, affordable solution.

Talk to your broker or call us to learn more.

We’re here to help.

+1 (877) 234-4450 |

Offered through Admitted carriers, Applied Risk Services Inc, Licenses available on request or in California through AU Insurance Services, Inc: California License Number 0D78336.

©2024 Applied Underwriters, Inc. Rated 'A-' (Excellent) by AM Best. Insurance plans protected U.S. Patent No. 7,908,157.