HR/Payroll/PEO

HR Solutions

Simplify HR. Protect Your People. Grow with Confidence.
Running a business means managing people and managing people means navigating a complex web of compliance requirements, benefits obligations, and employment risks. One misstep can cost you thousands. Alliance Insurance Agency works alongside your team to help you build a smarter HR strategy supported by the right insurance and risk management coverage.
Whether you have 5 employees or 500, we tailor HR-related insurance and advisory solutions to fit your business so you can focus on growth, not paperwork.

What Are HR Solutions for Businesses?
HR solutions for businesses encompass the tools, services, and strategies that help employers manage their workforce effectively and legally. For insurance purposes, HR solutions typically include:

• Employment Practices Liability Insurance (EPLI) – coverage for claims of wrongful termination, discrimination, harassment, and other employment-related lawsuits
• Employee Benefits Consulting – guidance on health insurance, dental, vision, life, and voluntary benefits that attract and retain top talent
• HR Compliance Support – helping you stay current with federal, state, and local employment law
• Workforce Risk Management – identifying and mitigating the people-related risks that can expose your business to financial loss

Payroll Solutions

Payroll Done Right And Protected the Right Way.
Payroll is one of the most critical and most legally exposed functions in any business. A single payroll error can trigger IRS penalties, state agency audits, or employee lawsuits. Payroll fraud is more common than most employers realize. And workers’ compensation premiums are directly tied to your payroll figures.

What Is Payroll Risk Management?
Payroll risk management is the practice of identifying, assessing, and mitigating the financial, legal, and operational risks associated with paying your employees. It sits at the intersection of HR, finance, and insurance and it’s more complex than most business owners expect.

Key payroll risks include:

• Payroll fraud – including ghost employee schemes, falsified hours, and unauthorized pay changes
• Workers’ compensation misclassification – inaccurate job classification can lead to significant audit adjustments
• Tax compliance failures – late deposits, incorrect withholding, or misclassified workers can trigger IRS and state penalties
• Wage and hour violations – overtime miscalculations, missed meal break rules, and misclassified exempt employees create serious legal exposure
• Data breaches – payroll systems contain highly sensitive employee data targeted by cybercriminals

PEO Solutions

Understanding PEOs And Making the Right Choice for Your Business.
A Professional Employer Organization (PEO) promises to simplify HR, payroll, benefits, and compliance for small and mid-size businesses. For many employers, a PEO is a smart, strategic move. For others, it’s an expensive arrangement that introduces new risks and hidden costs.

What Is a PEO (Professional Employer Organization)?
A Professional Employer Organization is a company that enters into a co-employment arrangement with your business. In a PEO relationship:

• The PEO becomes the employer of record for your employees for tax and HR purposes
• Your employees are placed on the PEO’s payroll and may be covered under the PEO’s benefits and workers’ comp plans
• The PEO handles payroll processing, tax filing, HR administration, and compliance
• You retain day-to-day control over your employees’ work activities

PEOs typically charge either a flat per-employee-per-month (PEPM) fee or a percentage of total payroll generally ranging from 2% to 12% of gross payroll, depending on the services included.

How to Get HR/Payroll/PEO Solutions

If you need HR/Payroll/PEO solutions, we’re here to help. Give Alliance Insurance Agency a call today to get started.