Insperity Review

By Skye Schooley, writer
| Updated
May 21, 2020
Image Credit: fizkes / Getty Images

Insperity PEO provides employee benefits administration, payroll processing, risk management resources and human resource consulting, but where it excels is in employee training and HR outsourcing. Insperity has a five-employee minimum, competitive pricing and a contract structure that can scale with your business. Overall, Insperity's extensive training resources and flexible services make it our pick as the best PEO for small businesses. 



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.


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

Insperity Pricing and Terms

Insperity's pricing and terms make it an ideal choice for small businesses looking to outsource the logistical headaches that come with running an expanding business. Insperity charges on a per-employee basis. Some PEOs 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. 

This PEO doesn't require long-term contracts. A standard contract for a business with less than 150 employees is typically one year, but you can cancel with 30 days' notice. 

Insperity provides bundled solutions. These bundles can be tailored somewhat to your business; for example, you can add employment screening, expense management, insurance services, performance management, recruiting services and retirement services for additional fees. 

Insperity PEO Features

Insperity offers stellar training resources, as well as solid offerings in all the major PEO service areas, including: 

  • HR services: Insperity offers robust HR management services. They can assist your company with recruitment, onboarding, online training, employee handbook and policy development, performance management, termination and dispute assistance, and leadership development.

  • Employee benefits: Insperity provides standard benefits packages, including medical, vision, dental coverage, short-term and long-term disability, a comprehensive 401(k), health and flexible saving account options, life insurance and employee assistance programs. Employees can use Insperity's self-service online portal to modify employee benefits as needed.

  • Payroll and taxes: 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 and deduction administration, employment verification, and payroll management reports.

  • Risk and compliance: Insperity can assist with claims management, return-to-work programs, workers' compensation, government compliance, workplace safety training and policy development and training, employee screenings, employment practices liability insurance, termination and unemployment claims assistance, drug-free workplace policy development, and EEOC services.

  • Training and development: Training resources is an area where Insperity excels. Businesses that partner with Insperity have access to 5,000+ self-paced online courses and 30,000 online books on human resources topics as well as other educational materials. Users can access instructor-led virtual training, and CPE and PDU for select courses. In addition to the 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 who need training resources or want to help their employees grow. 

Additional Insperity Services

Besides its PEO services, Insperity 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 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 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. 

Pros of Insperity

The biggest advantage for small businesses partnering with Insperity is the wealth of training and resources they have access to. This allows small businesses to stay up to date with important training and regulations. It can also be used for employee development and professional growth. Having access to these learning opportunities can be a great selling point for growing businesses that need to recruit new employees. 

Another advantage to Insperity is its intuitive online platform. Business owners and employees can log into their Insperity portal to access and modify important information like time and attendance, time-off requests, compensation, 401(k) contributions, HSA and FSA information, training courses and more. This is a great way for small businesses to keep all of their HR functions in one location.  

Cons of Insperity

Insperity does not currently offer live chat support for prospective customers, so your only options for reaching a representative are by phone and email. You can also submit your contact information via an online form or interact with the chatbot to reach sales agents. Insperity's FAQ guides are helpful if you need quick answers to common questions. 

Insperity requires a small business to have a minimum of five employees. Although this is a standard minimum requirement among many PEOs, if you do not meet the minimum PEO employee requirement, you may want to consider other options such as an HRO or administrative services organization.  

Customer Service

Insperity provides a dedicated service team for its small business clients. This includes defined experts in each service area, like HR management, payroll, performance, recruitment, safety 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. For general PEO information, you can access several resources on its website, including Insperity's blog, checklists, demos, e-books and webinars. 

We set up a hypothetical small business to test Insperity's customer service. We reached out to its sales team to inquire about the company's services. We interacted with Insperity through email, chatbot and phone. The sales representatives we interacted with took the time to assess our business's needs and determine what service would be best suited for our business. They didn't try to push a sale. This is a testament to the level of care and consideration Insperity provides to its customers.

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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.

Skye Schooley is an Arizona native, based in New York City. She received a business communication degree from Arizona State University and spent a few years traveling internationally, before finally settling down in the greater New York City area. She currently writes for and Business News Daily, primarily contributing articles about business technology and the workplace, and reviewing categories such as remote PC access software, collection agencies, background check services, web hosting, reputation management services, cloud storage, and website design software and services.