We Built This Because the
System Was

Broken.

Too many businesses were getting burned by bloated brokers, slow claims, and HR systems that couldn’t keep up. So we built something better — a national work comp program designed to actually work for the people who need it.

Get a Free Quote

(844) 444-9965

We built Comp Central because businesses deserve a work comp partner that’s actually in their corner — not just collecting a premium.

— Terrah Osborne, MHA · CEO, Comp Central

Our Mission

What We
Stand For.

See How Much You Can Save

Protect

We protect businesses and their workforces with comprehensive work comp, HR, and benefits solutions — so they can focus on growing, not worrying.

Perform

We deliver fast, accurate, and reliable service — from claims response to payroll processing — because your business can’t afford to wait.

Affordable Benefits designed for part-time employees to management

Partner

We’re not a vendor — we’re a true partner. When your costs go down, ours do too. That alignment drives everything we do.

Our Story

Built in California.
Built for All.

Comp Central was founded in Irvine, California with a simple but powerful belief: businesses deserve a work comp program that’s transparent, fast, and actually on their side.

We watched too many business owners get hit with surprise audits, slow claims, and HR systems that left them exposed. We watched brokers struggle to find markets for their hardest risks. We decided to fix it.

Since beginning Comp Central, our leadership has built a national program trusted by businesses across every major industry — from construction sites and staffing firms to professional sports leagues. We write the risks others won’t touch, and we do it with a team that genuinely cares about your success.

We’re not a faceless corporation. We’re a dedicated team of work comp specialists, payroll experts, and HR professionals who pick up the phone.

Call Us at (844) 444-9965

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.

17%

Avg. Workers Comp Cost Savings

50+

Years Combined Leadership Experience

States Covered

What Makes Us Different

Why Businessnes
Choose Us.

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

Non-Auditable Programs

What you report is what you pay. No surprise audits, no unexpected bills at year-end. Our programs are built for transparency and predictability.

We Write What Others Won’t

High hazard, complex accounts, non-renewals, lapse in coverage, audit issues — we have appetite where others don’t. If you have employees, we can help.

Dedicated Team For Every Client

Every client gets a dedicated claims manager, payroll specialist, and implementation specialist. Real people in your corner — not a call center.

True Partnership Model

We take risk with our partner carriers and share in claims losses — which means we have a vested interest in managing claims efficiently. Your success is our success.

Leadership

Our Executive
Team.

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

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

Client Success

What Our Clients
Are Saying.

    
 
 
       Posted on Google  
   
   Jordy Broder 
 
 
 
 Trustindex verifies that the original source of the review is Google. Garrett and the rest of the Comp Central team have been a pleasure to work with. There professionalism and responsiveness has been first class!
  
 
      Posted on Google  
   
   Jon Young 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a challenging workers compensation account that I submitted to Comp Central.  Not only did they come in with great pricing, but they were able to bind the account quickly and effectively.  Communication is on point and always timely.  The team is responsive and understands the needs of the broker community.
  
 
      Posted on Google  
   
   Daniel 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have had several positive experiences placing clients with Comp Central. They have fine tuned processes for taking good care of our clients and keeping us in the know as brokers. We look forward to placing more clients with them and growing our relationship.
  
 
      Posted on Google  
   
   ITsupportian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great place. Trusted people. Very caring and attention to detail. Recommend
  
 
      Posted on Google  
   
   Jake Krask 
 
 
 
 Trustindex verifies that the original source of the review is Google. Super easy and smooth experience with Comp Central. The team really knows their stuff and made everything hassle-free. Quick, professional, and just overall great to work with. Definitely recommend if you need business support!
  
 
      Posted on Google  
   
   Austin Barbera 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been working with Comp Central for a while now, and I can confidently say they are an absolute game-changer for our business. As a production company, managing payroll for our team can get complex, but Comp Central makes the entire process seamless and stress-free.

Their team is incredibly knowledgeable, responsive, and always willing to go the extra mile to ensure everything runs smoothly. From compliance to payroll processing, they handle it all with efficiency and precision. It’s rare to find a PEO that combines top-tier expertise with such a personal touch.

A special shoutout to Terrah, the CEO, who leads with an unmatched level of dedication and professionalism. She truly cares about her clients and has built a team that reflects that same commitment to excellence. If you're looking for a payroll partner that you can actually trust, Comp Central is the way to go!
  
 
      Posted on Google  
   
   James Chandler 
 
 
 
 Trustindex verifies that the original source of the review is Google. Garrett was great, he turned around a quote in 24 hours when 3 other brokers were unable to.
  
 
      Posted on Google  
   
   Evan Swan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t thank this group enough. I had a very tight deadline on renewal. They came in with the best pricing the best service.
  
 
      Posted on Google  
   
   Anthony Bizer 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience with Comp Central has been nothing but positive. While shopping around for new workers' compensation coverage, they were extremely responsive and informative. They were able to provide extremely competitive rates in comparison to what I had been paying. I highly recommend having a conversation with their team if you're seeking better insurance pricing.
  
 
      Posted on Google  
   
   Alex Cervantes 
 
 
 
 Trustindex verifies that the original source of the review is Google. Comp Central's quoting process is fast and seamless. Reasonable rates, back office tools are great and service is topnotch! Highly recommend!!

We Built This Because the
System Was

Broken.