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Insperity Review

Matt D'Angelo
, writer
| Updated
Sep 20, 2019
Image Credit: fizkes / Getty Images
> Human Resources

Insperity provides various PEO services for businesses of all sizes. Its full-fledged offering and well-rounded solutions make it a solid option for small businesses. It provides benefits administration, payroll processing, risk management resources and human resource consulting. This company excels in the employee training and HR outsourcing spaces, and it has a competitive pricing and contract structure. Most importantly, Insperity provides a flexible plan that grows with your business. While it bundles some of its services (like all PEOs), Insperity can grow and change its service offering to meet your business's needs.



The Best PEO Service Providers of 2020

The Verdict

Insperity, our choice as the best PEO for small businesses, offers training resources and solid payroll, benefits, HR, and risk management services. While it lacks live chat for inquiries from potential clients, it offers excellent customer service.

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View all our recommendations for PEO services and HR outsourcing services on our best picks pages.

If you're interested in Insperity's services, you need at least five employees. This minimum ensures that you're able to meet the fee and other requirements for your business. Some PEOs we evaluated don't have an employee minimum, while others require as many as 10 full-time employees to qualify for their services.

Editor's note: Looking for information on PEO services? Use the questionnaire below, and our vendor partners will contact you with the information you need: 



Insperity has an A+ rating with the Better Business Bureau and 4.5 stars on Google, with 33 individual reviews. Insperity is accredited by the Employer Services Assurance Corporation (ESAC) and is certified by the IRS. Not all of the companies we reviewed are accredited, let alone from both organizations.

Insperity provides service in all 50 states. It has excellent training resources and can provide businesses with the kind of back-end support needed for a growing business. Its quality in all areas of service was unmatched by many other competitors. Overall, Insperity's extensive training resources and flexible services make it our pick as the best PEO for small businesses.

Insperity Pricing and Terms

Insperity's pricing and terms structure make it an ideal choice for small businesses looking to outsource the logistical headaches that come with running an expanding business. If you partner with Insperity, you're charged on a per-employee basis. Some PEOs we reviewed charge businesses a gross percentage of their total payroll. This is could be a good pricing structure for your business, but your fee fluctuates as your business's payroll totals change.

With a per-employee pricing structure, you can predict costs as your business changes. In addition to per-employee pricing, Insperity doesn't require long-term contracts. You can cancel at any time with 30 days' notice.

Insperity provides bundled solutions for your business. These bundles can be tailored somewhat to your business. In some cases, though, Insperity may not be able to tailor specific solutions to your business, but you may have to still pay for the full bundle.

As a major PEO provider, partnering with Insperity means working with a company that has the resources and experience to provide services to meet your exact needs. The scale and breadth of a large company like Insperity mean that as your business grows, you can adjust its services as needed. This scalability means you won't have to worry about pressing concerns like HR and payroll.


Insperity has some of the most comprehensive services of any company we reviewed. It offers stellar training resources, as well as solid offerings in all the major PEO service areas.

  • HR Services: Insperity offers robust HR management services, including recruitment and onboarding resources; online training; handbook and policy development; performance management; termination and dispute assistance; compensation resources and tools, wage, and salary surveys; and leadership development. You can view Insperity's human resources management services here.
  • Benefits: Insperity provides standard benefits packages, including health, vision, dental, and 401(k) plans; and employee assistance programs. It provides a single-employer health plan for employees. This means that while your employees have access to multiple coverage options, they can only get coverage from one company. Other companies we reviewed offer multiple plans from different companies. You can view the company's full benefits offering here.
  • Payroll: This PEO provides standard payroll processing software, which includes time and attendance tracking, paid time off accrual, vacation and sick time tracking, W-2 preparation, wage garnishments, employment verification, and payroll management reports. You can view the company's full payroll services here.
  • Risk and Compliance: Insperity can assist with claims management, return-to-work programs, workers' compensation, government compliance, workplace safety training and policy development, and employee screenings. It does not help with OSHA compliance, but it offers ACA compliance assistance. You can view Insperity's full risk management offering here.

Additional Insperity Services

Insperity offers comprehensive PEO services, but the company also offers individual HR services and consultancies. Make sure, however, that you address the details of the agreement and how it would shift from a standard PEO bundle with the company. For instance, PEOs always come with a co-employment agreement as part of the bundle. Signing up for individual HR services, or (if offered by Insperity) a human resource outsourcing (HRO) bundle, means that you wouldn't agree to this co-employment model.

This aspect of service is not good or bad either way; it just depends on what's best for your business.

Insperity offers extensive HR services, including

  • Recruiting services
  • Insurance services
  • HR consulting
  • Retirement and 401(k) services
  • Accounting and bookkeeping services
  • Applicant tracking
  • Job sourcing services
  • Group health insurance services
  • HR policy development
  • Manager training
  • Compensation plan development

Insperity's breadth of services is one of the largest of all the companies we reviewed. While it doesn't have a specific HRO or ASO (administrative services organization) landing page, you can view individual services in the dropdown menu on the company's website.

Customer Service

Insperity provides a service team for its small business clients. This includes defined experts in each service area, like HR management, payroll and benefits. Insperity also sets you up with a point person to help facilitate your services and connect you to various experts depending on your needs.

We set up a hypothetical small business and tested Insperity's customer service. We reached out to the sales team to inquire about the company's services. We interacted with Insperity through both email and phone.

The sales representatives we dealt with were very nice and took the time to assess our business's needs, and determine what service would be the best for our business. They didn't try to push a sale. Instead, they worked to make sure we understood the services.


Training resources is another area where Insperity excels. Businesses that partner with Insperity have access to thousands of online courses for human resources topics and other educational materials. In addition to all these online courses, your designated HR services team can work with you to provide other training topics for you and your workforce, and conduct onsite training. This flexibility provides a lot of potential for small businesses needing training resources.


Insperity does not offer live chat support for prospective customers currently, so your only options for reaching a representative are phone and email. You can also submit your contact information via an online form to get in touch with sales agents. Insperity's FAQ guides are helpful if you need quick answers to common questions. Insperity only offers live chat to its existing clients to discuss benefits, 401(k) and tech support.

Insperity PEO may also not be the right choice for you if you want to offer multiple health insurance options to your employees. Insperity's single-employer healthcare plan ensures low costs, but your employees only have access to coverage options from one provider.

Editor's Note: Is your business looking for a PEO service? Click the Compare Quotes button below to be connected with vendors that can help.



The Best PEO Service Providers of 2020

The Verdict

Insperity, our choice as the best PEO for small businesses, offers training resources and solid payroll, benefits, HR, and risk management services. While it lacks live chat for inquiries from potential clients, it offers excellent customer service.

Matt D'Angelo
Matt D'Angelo
Matt D'Angelo is a contributor covering small business for and Business News Daily. After graduating from James Madison University with a degree in journalism, Matt gained experience as a copy editor and writer for newspapers and various online publications.