PRC Member Insurance

PR Council members have exclusive access to competitive pricing, discounts, and dividends for insurance commonly needed within the PR firm industry. Please review our highly valued Worker’s Compensation and PEO offerings below. We would be happy to connect you with a Member who participates in a program for a firsthand perspective.

Workers' Comp Program

All PR Council Members are eligible to purchase a workers’ compensation policy that is administered by the 4As. Initiated over 35 years ago, the program is structured through a captive insurance company — the 4A’s Insurance Company, Ltd. – which allows us to capitalize on the low claim levels of the advertising and PR industries, secure low administrative costs through our group buying power, provide income on investment of reserves, and pass along this advantage through a dividend program. While a dividend is not guaranteed, our Workers’ Comp program typically pays participants a dividend of approximately 45% on their annual premium which can cover PRC Member dues across every tier.

If you have a bundled offering through your PEO, we can help you assess the value you could potentially gain by unbundling your workers’ compensation coverage,

To receive a full proposal for the expected cost of your workers’ comp coverage, please contact Andi Hughes.

PEO Offering

The PR Council and Propel HR have created a special PEO offering for members that works seamlessly with 4A’s Benefits workers’ compensation and ancillary products. This business benefit enables Members to take advantage of the administration of HR services and resources, payroll processing, tax filing, Kronos software and more. Please visit the PRC Propel information site to learn more.

Member Benefits Include:

  • 15% off our pricing
  • National Master Health Plan with BlueChoice helps recruit and retain great employees
  • 0% premium increases over the last 3 years
  • Premium savings and PRC discount often cover the costs of our services (or more!)
  • Access to Propel HR MEP 401(k) Plan
  • Unparalleled customer service that none of the large payroll and HR providers can offer
  • Dedicated team members and Human Resources Pros that know your business and answer your call
  • No more stress trying to stay compliant with ever-changing HR laws and regulations


Check out the Propel HR website to learn more.