Insurance, PEO & Risk Strategies Built for Real Employer Risk

We help employers control workers’ comp, healthcare, HR, and compliance costs by choosing the right structure — not just buying another policy.

New clients

321

Earnings

$350.40

Total saves

$6.682

Why Insurance and HR Costs Keep Rising

Insurance costs don’t increase by accident. They rise because of claims, compliance breakdowns, poor structure, and decisions that were never explained clearly.

Many employers are sold products without understanding how workers’ comp, healthcare, HR, safety, and PEO structures actually work together. The result is higher costs, limited options, and constant renewal pressure.

Our role is to step back, identify what’s really driving cost and risk, and design a structure that makes sense — now and long term.

Strategy Before Products

We evaluate insurance, PEO, and alternative structures — not just carriers

We explain why pricing looks the way it does before recommending changes

We align insurance decisions with safety, HR, and compliance realities

We focus on long-term stability, not one-year wins

The Bottom Line

This is not a quoting service. It’s a strategic review of how risk is actually being managed.

Our services are organized around the real problems employers face as they grow and take on more risk.

Insurance & Cost Pressure

Workers’ Compensation Insurance
Trucking Insurance & Workers’ Compensation Solutions
Employer Healthcare & Benefits

HR, Compliance & PEO Structure

PEO & Co-Employment Solutions
HR, Payroll & Compliance Support
PEO Exit & Transition Services

Safety, Risk & Loss Control

Risk Management, Safety & OSHA Compliance

Cost & Renewal Strategy

Renewal increases analysis
Cost drivers identification
Long-term pricing stability planning

Advisory & Ongoing Support

Ongoing risk and structure guidance
Support as workforce and compliance needs change
Strategic adjustments over time

Who We Work With

We work with employers who:

Industries include trucking, construction, hospitality, manufacturing, staffing, healthcare, and professional services — but the problems we solve are structural, not industry-specific.

Built by Someone Who’s Been on Both Sides

Alternative Options was built by someone with deep experience in workers’ comp, OSHA compliance, claims management, and PEO operations — including senior leadership roles inside a national PEO.
That background matters because most cost and compliance issues don’t live in isolation. They’re the result of how systems interact — and how decisions are made under pressure.

Hear From Our Satisfied Clients

Working with Alternative Options Insurance was a seamless experience from start to finish. Their team took the time to understand our business structure and delivered coverage options that were both comprehensive and cost-effective. Communication was clear, turnaround was fast, and they made a complex process feel simple. I highly recommend them to any business owner who values efficiency and expertise.

As a restaurant owner, insurance is something you need to get right, and Alternative Options Insurance absolutely delivered. They were proactive, knowledgeable, and helped us secure the right coverage without overpaying. Any questions we had were answered promptly, and we felt confident knowing our business was properly protected. This is a team you can trust.

Alternative Options Insurance understands the needs of construction companies. They helped us navigate liability, workers’ comp, and project-specific coverage with precision and professionalism. Their attention to detail and responsiveness stood out, and they consistently looked out for our best interests. I would confidently recommend them to any contractor or commercial business.

Alternative Options Insurance made the insurance process straightforward and stress-free. They took the time to evaluate our operations and presented coverage solutions that actually made sense for our business. Their responsiveness, transparency, and industry knowledge gave us complete confidence in our coverage. It’s rare to find a team that combines professionalism with genuine care for their clients.

Let’s Start With Clarity

If you want a clear explanation of what’s driving your insurance, HR, or compliance costs — and what real options exist — the first step is a conversation.