Protect Your
Workforce.

Cut Costs.

Comp Central delivers best-in-class workers’ compensation, payroll, and HR solutions to businesses nationwide — saving clients an average of 17% on workers compensation costs.

Claims Resolved

73%

Closed within the 1st year

Average Savings

$28,400

Per client annually

Compliance Score

100%

State filing accuracy

Our Mission

What We
Stand For.

See How Much You Can Save
Workers' Compensation & Safety

Workers’ Compensation

National carrier access, competitive rates, and full compliance management — all under one roof.

  • In-house claims management
  • Dedicated claims manager
  • Certificate management software with 24/7 self-service on web & iOS
Payroll and HR Administration

Payroll Processing

Accurate, on-time payroll for businesses of every size. Direct deposit, tax filing, garnishments, and reporting built in.

  • Dedicated implementation specialist
  • Dedicated payroll specialist
  • Direct deposit & tax filing
  • Custom payroll reporting
HR Technology

Full HR Suite

Everything you need to manage, protect, and grow your workforce — in one powerful platform.

  • Custom employee handbooks
  • HR documentation library
  • Automatic compliance update emails
  • Unlimited live HR support
Employee Benefits & Retirement

Benefits Enrollment

Streamlined open enrollment, benefits administration, and employee communications — all digital, all easy.

  • Medical, dental & vision
  • 401(k) & life insurance
  • Digital open enrollment
Time and Attendance

Time & Attendance

Cloud-based time tracking, scheduling, and labor cost reporting that syncs directly with payroll.

  • Mobile clock-in & clock-out
  • Scheduling & shift management
  • Direct payroll sync
HR Risk Mitigation & EPLI

Risk Management

Safety programs, loss control consulting, and proactive analytics to reduce incidents before they happen.

  • Safety program development
  • Loss control consulting
  • Real-time risk analytics
Get Started Today

See How Much
You Can Save.

Our clients save an average of 17% on workers compensation costs. Get your free quote in minutes.

No obligation. No spam. A real person will reach out within 1 business day.

$500M+

Payroll Processed Annually

94%

Client Retention Rate

24hr

Avg. Claim Response Time

Our Appetite

We Write What
Others Won’t.

Most programs turn away the hard stuff. We built Comp Central for exactly those situations.

Complex Accounts

Complex Accounts

Multi-layered exposures and difficult-to-place risks are our specialty.

High Hazard Industries

High Hazard Industries

Construction, staffing, security and other high-risk classifications welcome.

Multi-State Risks

Multi-State Risks

Operating across multiple states? Our national program has you covered nationwide.

Lapse of Coverage

Lapse of Coverage

We work with businesses that have gaps in coverage — no judgment, just solutions.

Non-renewals

Non-Renewals

Dropped by your carrier? We specialize in finding coverage when others say no.

Audit Issues

Audit Issues

Had previous audit issues? Not a problem. Our programs are non-auditable, so what you report is what you pay — no surprises.

Work Comp Excellence

Built for
Work Comp.

Built for You.

Our national work comp program is designed to minimize your exposure, accelerate claims resolution, and keep your workforce protected — all while saving you money. We take risk with our partner carriers and share in claims losses — which means we have a vested interest in managing claims efficiently.

We are a true partner — not just another vendor. When your costs go down, so do ours. That alignment drives everything we do.

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Competitive Rate Programs

Access to national carrier networks with rates your local agent simply can’t match.

Rapid Claims Management

Our dedicated team handles every claim from first report to final resolution.

Real-Time Risk Analytics

Proactive dashboards help you spot risk trends before they become costly claims.

100% Compliance Guarantee

We stay on top of every state regulation so you never worry about a filing deadline.

Your success is our success.
That’s what makes us different.

50+

Years Combined Leadership Experience

50

States Covered

Who We Serve

Industries
We Cover.

From high-risk job sites to professional sports leagues — click any industry to see how we solve your biggest challenges. We cover these industries and many more!

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Common Problems

  • High employee turnover drives up WC premiums
  • Multiple job sites create complex compliance requirements
  • Payroll fluctuates weekly making management difficult

Our Solutions

  • Pay-as-you-go WC eliminates large upfront deposits
  • Dedicated claims manager reduces costs per claim
  • Flexible payroll processing adapts to your workforce changes

Common Problems

  • High-risk work classifications mean expensive premiums
  • Certificate of insurance requests slow down projects
  • Subcontractor compliance is a constant headache

Our Solutions

  • Competitive rates through our national carrier network
  • 24/7 certificate management software — instant COIs anytime
  • In-house claims team gets injured workers back on the job fast

Common Problems

  • Repetitive motion injuries drive up experience mod rates
  • OSHA compliance is complex and ever-changing
  • Large hourly workforces make payroll error-prone

Our Solutions

  • Proactive safety programs reduce injury frequency
  • Automatic compliance updates keep you OSHA-ready
  • Accurate hourly payroll with built-in reporting tools

Common Problems

  • Slip, trip and fall claims are frequent and costly
  • Seasonal hiring spikes create administrative chaos
  • Managing benefits across large hourly teams is overwhelming

Our Solutions

  • Loss control consulting to reduce facility injury rates
  • Scalable payroll that handles seasonal workforce swings
  • Streamlined benefits enrollment for hourly employees

Common Problems

  • High assault and battery exposure drives massive premiums
  • 24/7 shift scheduling creates complex payroll calculations
  • High turnover makes HR documentation a constant burden

Our Solutions

  • Specialized WC coverage for security industry exposures
  • Automated shift-based payroll with overtime compliance
  • HR documentation library and employee handbook creation

Common Problems

  • Multi-state operations create a compliance nightmare
  • Unique employee classifications confuse standard carriers
  • High-profile claims require discreet, expert handling

Our Solutions

  • National program covers all 50 states under one policy
  • Experienced team handles unique sports industry classifications
  • Dedicated claims manager for confidential, expert resolution
Flexible Options

Don’t Be Forced into a Box.
Create Your Own Program.

Customizable packages based on the specific needs of your business.

Get Started
01

PEO FEIN & PEO SUTA

Includes EPLI with third party coverage and wage & hour defense

02

PEO FEIN & Client SUTA

Includes EPLI with third party coverage and wage & hour defense

03

WC + Payroll (Client FEIN & Client SUTA)

04

Workers’ Compensation Only

Client Self-Service

Your Team
Stays Connected.

The Comp Central client portal gives your workforce 24/7 access to everything they need, from check history to PTO requests, right from their phone.

Learn More
Check History

Check History

PTO Request

PTO Request

Documents

Documents

Employee Info

Employee Info

Benefits

Benefits

Time & Attendance

About Us

We Built This Because the
System Was Broken.

Comp Central was founded in California with one mission: give businesses a smarter, faster, and more transparent way to manage workers’ compensation — without the runaround.

We watched too many business owners get burned by bloated brokers, slow claims, and HR systems that couldn’t keep up. So we built something better. In just a few years, we’ve grown into a national program trusted by hundreds of businesses across every major industry — from construction sites to professional sports leagues.

We’re not a faceless corporation. We’re a dedicated team of work comp specialists, payroll experts, and HR professionals who actually pick up the phone. Every client gets a real person in their corner — a dedicated claims manager, a payroll specialist, and an implementation team that makes switching seamless.

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Fast

Within 24-hour claim response. No excuses.

Focused

Work comp is all we do. We’re the best at it.

Personal

Real people. Real relationships. Real results.
Client Success

What Our Clients
Are Saying.

Leadership

Our Executive
Team.

Terrah Osborne, MHA

Terrah Osborne, MHA

Chief Executive Officer

Terrah is an innovative, mission-driven executive with 10+ years of leadership experience across healthcare and workforce management. Armed with an Executive Master’s in Healthcare Administration from USC, she brings exceptional strategic vision, operational expertise, and a relentless commitment to building cultures of excellence. Since beginning with Comp Central, she has led the company’s growth into a nationally recognized work comp program — built on the belief that businesses deserve better.

Strategic Leadership
Operations Management
Business Development
Program Development
Financial Acumen
Robert Gonzalez

Robert Gonzalez

Chief Financial Officer

Robert is a seasoned financial executive with 12+ years of finance experience and a proven track record of driving growth, ensuring compliance, and building strong financial infrastructures. A Cal State Long Beach graduate in Business Administration — Finance, he has led financial operations across nonprofits, managing 150+ employees and securing over $15 million in grants. At Comp Central, Robert oversees all financial operations, strategic planning, budgeting, and reporting — keeping the company on a strong and scalable path forward. Bilingual in English and Spanish.

Financial Strategy
Budgeting & Forecasting
GAAP Compliance
Strategic Planning
Bilingual — Spanish