PEO-sponsored Workers' Compensation Insurance has advantages and disadvantages.  For some organizations, having a stand-alone policy may be a better alternative.  Here is a detailed comparison based on expert sources. Aspect PEO (Professional Employer Organization) Standalone Workers’ Compensation (WC) Payroll Services PEO exclusively handles payroll for enrolled employees, including payroll taxes...

Real-time pay (often called on-demand pay or earned wage access) sounds like a slam dunk: employees get money as soon as they’ve earned it instead of waiting for payday. From an employer’s standpoint, though, it can be a surprisingly messy operational and compliance project. Here’s...

As businesses rely more heavily on vendors for operations and growth, cybercriminals have found new ways to exploit these trusted relationships. One emerging tactic, vendor email compromise (VEC), involves impersonating a legitimate supplier or partner to steal data or divert payments. While business email compromise...

The Affordable Care Act (ACA) created a federally financed subsidy, called the premium tax credit (PTC), to help eligible individuals and families with low or moderate incomes afford health insurance purchased through an Exchange. During the COVID-19 pandemic, Congress temporarily enhanced the PTC by eliminating...

Employment Practices Liability Insurance (EPLI) protects businesses from claims like wrongful termination, discrimination, harassment, and other workplace-related issues. These claims are expensive, disruptive, and—thanks to ever-evolving labor regulations—surprisingly easy to trigger. This is where Professional Employer Organizations (PEOs) earn their keep. PEOs don’t just run payroll;...

By:  Steve Kolker, Insurance Consultant, Employee Benefits, Hilb Group/Barrow Group One of the most essential, but difficult to afford coverages is long-term care (LTC) insurance.  LTC insurance covers services like nursing home, assisted living, or in-home assistance that Medicare generally does not provide. The cost for...

This HR compliance calendar is a valuable tool to help your business stay on track with key employ­ment-related deadlines throughout the year. HR compliance can be complex and involves many moving parts. Keeping track of deadlines during 2026 can help your business stay organized and...