WC 00 03 20 Professional Employer Organization (PEO) Extension Endorsement

A National Council on Compensation Insurance (NCCI) standard form. It extends your workers compensation and employers liability coverage to a named professional employer organization (PEO) as though it were an insured, for injuries to the workers it leases to you in the scheduled state.

Updated Nov 14, 2026

1. Edition B

   Compared with edition ALatest edition

   • Replaces the labor contractor with a professional employer organization (PEO) throughout and retitles the form. The PEO definition expressly takes in an entity called a labor contractor, employee leasing company or lessor.

     Edition A

     “Labor contractor means the entity furnishing some or all of the workers to another entity.”

     Edition B

     “Without limitation, a PEO may also be referred to as a labor contractor, employee leasing company, lessor, or other similarly administered arrangement.”

   • Rewrites the definition of temporary worker, which decides who falls outside the endorsement: from a substitute for an employee on leave or seasonal or short-term help, to any worker furnished for a finite period, with five listed examples.

     Edition A

     “to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions”

     Edition B

     “Temporary worker is a worker who is furnished to an entity for a finite period of time”

   • Adds a sentence making you jointly liable with the PEO for contributions, premiums, forfeits or interest attributable to the leased workers' wages.

     Edition A

     Not in this edition

     Edition B

     “You are jointly liable with the PEO for the contributions, premiums, forfeits, or interest”

   • On cancellation the insurer still notifies the PEO and now also sends you a notice about the status of your coverage.

     Edition A

     “we will send notice of such cancelation to the labor contractor.”

     Edition B

     “provide you with a notice regarding the status of your coverage”

2. Edition A

   Compared with the original edition

   • Adds a second ground for cancellation: violation of the rules for employee leasing operations, once the labor contractor has had a reasonable opportunity to cure the violation.

     Original edition

     “The policy may be canceled according to its terms. If the policy is canceled”

     Edition A

     “for violation of rules applicable to employee leasing operations provided that the labor contractor has been provided a reasonable opportunity to cure the violation”

1 other edition date appears in one or two filings each, often carrier-specific versions: Original.

• Edition in use: in the past 12 months, 40 companies filed edition A and 3 companies filed edition B.
• The newer revision, edition B, first appears Apr 11, 2023 and has been filed by 6 companies in 5 states so far.
• WC 00 03 13 (Waiver of Our Right to Recover From Others Endorsement) is filed alongside it most often, in 101 of the same filings (95%).

Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

View all 25 carrier groups

• WC 00 03 13Waiver of Our Right to Recover From Others Endorsement101 filings
• WC 00 03 05Joint Venture as Insured Endorsement100 filings
• WC 00 03 11Voluntary Compensation and Employers Liability Coverage Endorsement100 filings
• WC 00 03 04Insurance Company as Insured Endorsement99 filings
• WC 00 03 08Partners, Officers and Others Exclusion Endorsement99 filings
• WC 00 03 10Sole Proprietors, Partners, Officers and Others Coverage Endorsement99 filings
• WC 00 03 15Domestic and Agricultural Workers Exclusion Endorsement99 filings
• WC 00 04 03Experience Rating Modification Factor Endorsement99 filings
• WC 00 04 06Premium Discount Endorsement99 filings
• WC 00 04 14Notification of Change in Ownership Endorsement99 filings

View all 106 filings