Human resources (HR) compliance is one of the biggest challenges facing businesses today. With evolving state and federal regulations, employers must navigate complex employment laws, payroll compliance, workplace safety, and employee classification requirements. A single misstep can result in costly fines, lawsuits, or increased insurance premiums.
For insurance agents, these challenges present a sizable opportunity. By offering HR compliance solutions through a PEO program or ASO program, agents can go beyond simply placing insurance policies — they can provide an essential service that helps businesses stay compliant, reduce risk exposure, and avoid costly claims. This added value strengthens client relationships and creates a competitive advantage that drives long-term success.
The Hidden Risks of HR Non-Compliance
Many businesses assume that HR compliance is simply about keeping up with paperwork and payroll. In reality, the stakes are much higher. Failing to comply with labor laws can result in financial and legal consequences. Here’s how HR non-compliance can impact businesses.
- Employment law violations: Wage and hour laws, paid leave mandates, and worker classification rules vary by state. Businesses that fail to stay updated can face lawsuits, back-pay settlements, and hefty government fines.
- Workers’ compensation issues: Poor HR compliance can lead to misclassified employees, inadequate safety policies, and increased workplace injuries — driving up claims costs and insurance premiums.
- Equal Employment Opportunity Commission violations and wrongful termination lawsuits: Discrimination, harassment, and wrongful termination claims are among the most expensive legal battles for businesses. Even one lawsuit can damage a company’s reputation and financial stability.
- Payroll compliance failures: Miscalculating overtime pay, mishandling benefits, or failing to follow tax reporting requirements can lead to IRS penalties and employee disputes.
How PEOs and ASOs Help Solve HR Compliance Issues
For businesses already struggling with these issues, a PEO insurance program or ASO program can provide the structure and expertise needed to avoid compliance pitfalls. However, understanding the differences between these models is key for insurance agents guiding their clients.
What Is a PEO Program?
A professional employer organization (PEO) acts as a co-employer, handling payroll, benefits administration, workers’ compensation, and compliance support. By outsourcing HR functions to a PEO, businesses reduce liability and gain access to large-group benefits while ensuring compliance with employment laws.
What Is an ASO Program?
An administrative services organization (ASO) provides similar HR support but without the co-employment model. Businesses maintain full control over their workforce while receiving expert guidance on payroll, benefits, and compliance.
For agents, these programs are powerful tools to help clients maintain compliance, reduce workers’ comp claims, and lower overall risk exposure. Learn more about choosing between a PEO versus ASO in our guide.
Why HR Compliance Services Give Agents a Competitive Edge
As competition among insurance agents increases, offering value-added services like HR compliance can improve client retention and business growth. Businesses are more likely to stay with an agent who provides comprehensive risk-management solutions, not just insurance policies. Companies that actively manage HR compliance and risk are also less likely to experience major claims or disruptions, making them better long-term clients.
Furthermore, businesses recognize the value of compliance support and are often willing to invest in solutions that protect them from legal and financial exposure. Agents who offer HR compliance services differentiate themselves from competitors, positioning themselves as trusted advisors rather than transactional brokers.
Why Insurance Agents Should Choose Landmark’s PEO & ASO Solutions
With more and more companies prioritizing HR tech tools that help them create cultures of compliance, now is the perfect time to leverage Landmark Wholesale’s innovative solutions. Through Mineral HR, Landmark offers businesses the tools they need to navigate complex labor laws and reduce their risk exposure.
Key Advantages of Landmark’s PEO & ASO Solutions
- Comprehensive compliance support: Landmark’s HR compliance tools help businesses anticipate regulatory changes and remain compliant with employment laws.
- Workplace safety and risk management: From OSHA training to safety audits, Landmark’s programs help clients implement proactive risk-management strategies.
- Access to advocacy and safety solutions: All clients placed through Landmark receive industry-leading support, including real-time compliance guidance, safety training resources, employee handbooks, and direct access to HR professionals to help mitigate risks before they turn into claims.
- Payroll and benefits administration: PEO and ASO clients benefit from accurate payroll processing, benefits compliance, and tax reporting assistance.
- Seamless integration with insurance and risk management: Landmark’s programs provide a holistic approach, helping businesses manage HR and insurance risks under one streamlined solution.
By partnering with Landmark, insurance agents can offer clients a PEO insurance program or ASO program that solves compliance challenges and strengthens their overall business operations.
Get Started With Landmark Wholesale
HR compliance is a critical business function that directly impacts risk and insurance costs. By leveraging Landmark Wholesale’s PEO and ASO solutions, agents can provide a value-added service that enhances client retention, reduces claims, and sets them apart in the market.
Start strengthening your business relationships today with Landmark’s compliance solutions. Contact us today to explore Landmark’s PEO and ASO programs.
About Landmark Wholesale
Landmark is a nationally licensed facility for tough-to-place risk with a focus on securing alternate workers’ comp solutions. From PEOs to specialty programs, we offer access to coverage solutions other wholesalers can’t. Our recent placements include complex risks in staffing, transportation, and construction sectors — demonstrating our ability to secure coverage where others fail. Partner with Landmark Wholesale to find solutions for your toughest accounts and expand your market reach.
