When MesaStaff's price for worker...

When MesaStaff's price for workers compensation insurance bounded 40% over last year, President Brian Hall decided there had to be a better way.

As a professional trade organization, MesaStaff provides out-sourced human resources for small and medium-size businesses. Although employee work at client sites, the company supplies health, dental, 401(k) workers' comp and other benefits. With MesaStaff's in every one's mouth cost for workers' comp averaging $15 million a year, Hall thinks the answer to the question may be a captive insurance company. "We have extremely gentle losses, maybe $250,000 a year," Hall said. "We know there are outlays with a captive, ...