COVERAGE THAT KEEPS YOUR BUSINESS MOVING

Insurance solutions that simplify and secure your employee management processes.

SIMPLIFY, EMPOWER, & PROTECT YOUR BUSINESS

Effortless Protection for Every Aspect of Your Business

  • Simplify your worker’s comp for every state you operate within.

  • Boost retention & reduce costs with smarter benefits solutions.

  • Lower risk with expert-driven EPLI support.

STREAMLINED PROTECTION, NATIONWIDE

Simplify your worker’s comp coverage with expert claims management with multi-state accessibility.

An illustration of a roman styled building with four pillars, illustrating how Alpha PEOs provide expert worker's comp claims management.

  • Managing a claim can be quite a time-consuming issue. With a PEO, you have specialists who manage claims, freeing up the employer’s time to focus on core business activities. PEO’s dedicated teams assist with filing claims promptly and correctly, coordinating with insurance carriers, implementing strategies like return-to-work programs, and negotiate medical expenses to minimize costs.

  • PEOs provide access to workers’ compensation insurance often at lower rates due to the PEO having so many employees under their umbrella. Because of this, claims can often be absorbed by the PEO that would typically cause a business to be non-renewed or canceled. Also, PEOs conduct risk assessments to identify and mitigate potential workplace hazards.

  • When a business seeks to operate in new states, they are required to find a policy for each state they go into which is quite time-consuming and stalls the business. A PEO can provide workers' compensation coverage that extends to all states where the business operates, simplifying administration and reducing costs.

SMARTER BENEFITS THAT LEAD TO HAPPIER TEAMS

Secure the benefits your team deserves with flexible, affordable, & completely managed benefits solutions.

A illustrative graphic of a nucleus demonstrating the symbiotic nature of Alpha's retirement, health, and ancillary insurance provisions.

  • When PEOs pool employees from multiple businesses under a single employer identification number (EIN). This allows small and medium-sized businesses to access health insurance plans that are typically available only to larger organizations. They often negotiate with insurance carriers to secure lower premiums and better coverage options. PEOs handle the administrative burden of health insurance, including enrolling employees, managing benefits, and resolving issues with carriers. They provide tools and platforms for employees to easily compare, choose, and manage their health benefits.

  • PEOs negotiate with insurance providers to offer ancillary benefits (e.g., dental, vision, life insurance, disability insurance, accident insurance) at competitive rates. Small and medium-sized businesses gain access to benefit packages that would otherwise be unaffordable or unavailable. They provide a menu of ancillary benefits, allowing businesses to tailor offerings to meet the needs of their workforce. This flexibility helps attract and retain employees. PEOs handle enrollment, billing, and compliance associated with ancillary benefits, reducing the administrative burden on business owners. They coordinate with benefit providers for claims management and issue resolution.

  • Many PEOs offer a master 401(k) plan, allowing small and medium-sized businesses to participate in a large, pooled retirement plan. This reduces administrative burdens and costs compared to setting up an independent 401(k). By pooling multiple businesses, PEOs leverage economies of scale, offering lower administrative fees and more competitive investment options than a business might secure on its own. PEOs handle most administrative tasks, such as: plan setup and maintenance, employee enrollments and withdrawals, annual filings like the Form 5500 and handling required notices and disclosures. Also, the PEO often provides resources and tools to educate employees about retirement planning, helping them understand their investment options, contribution limits, and the benefits of saving for retirement.

PROTECT YOUR BUSINESS & PRESERVE YOUR REPUTATION

Reduce liability exposure & navigate evolving risks with confidence and support.

A graphic of interlocking chain links meant to illustrate the security that comes along with Alpha's EPLI small business services.

  • PEOs provide expert HR support, ensuring businesses comply with federal, state, and local employment laws. They monitor legal changes and advise businesses on best practices, reducing exposure to lawsuits.

  • The PEO operates as a co-employer, so they help share some of the liability. The business can be shielded from direct reputational damage, as the PEO may be seen as a responsible party actively addressing the situation. Also, by partnering with a PEO, a business demonstrates a commitment to maintaining a compliant, safe, and fair workplace. This proactive approach enhances credibility with employees, clients, and the public. In the event of a claim, PEOs often assist with public relations strategies to address concerns and preserve the company’s reputation.

  • This specialized insurance safeguards businesses against claims related to employment practices, such as discrimination, wrongful termination, sexual harassment, and other workplace issues. By co-employing the business's workforce, the PEO shares certain liabilities. This means the PEO assumes some responsibility for employment-related risks, reducing the financial burden on the client company.

Ready to learn how Alpha can help your business?