WEBSITE INTRODUCTION WEBSITE INTRODUCTION HELLO BUSINESS OWNERS! HELLO BUSINESS OWNERS! MY NAME IS ANDRE’ OLIVAN, MY NAME IS ANDRE’ OLIVAN, I’ve had a career of 35 Plus years as a Commercial Insurance Broker. During that time I was also a pervious owner of a very successful insurance agency in Northern CA. We employed over 35 employees, with 2 offices. I too understand what it takes to own a business. It’s a difficult task at best in the ‘Best of Times’. Over the years, I’ve earned the respect of my piers and clients in this industry by focusing on the basic fundamentals. My focus has always been... How can I HELP MY CLIENTS grow their business? REDUCE EXPENSES, have a POSITIVE IMPACT for their success for the LONG-TERM! I’ve built my career and business on my core Beliefs & Values! That is; Honesty, Impeccable Word, High Values, Reliability, Creativity, Conceptual Thinker, Problem Solver, and Seasoned Competitor. My Goal is to help you grow your business! Your employees are counting on you! Today, we’re experiencing one of the most difficult times in the California Economy. Businesses are struggling to survive, expenses are skyrocketing, and revenues are plummeting! Follow me thru my ’Website’! I’m going to show you how to... SAVE 20-40% on BUSINESS EXPENSE! SAVE 20-40% on BUSINESS EXPENSE! I’m sure you’ve heard of a ‘Professional Employer Organization’... I’ve researched and... PICKED THE BEST FOR YOU! I’ve researched and... PICKED THE BEST FOR YOU! You can accomplish this...
Transcript
WEBSITE INTRODUCTIONWEBSITE INTRODUCTION
HELLO BUSINESS OWNERS!HELLO BUSINESS OWNERS!
MY NAME IS ANDRE’ OLIVAN,MY NAME IS ANDRE’ OLIVAN,
I’ve had a career of 35 Plus years as a Commercial Insurance Broker. During that time I was also a pervious owner of a very successful insurance agency in Northern CA. We employed over 35 employees, with 2 offices. I too understand what it takes to own a business. It’s a difficult task at best in the ‘Best of Times’.
Over the years, I’ve earned the respect of my piers and clients in this industry by focusing on the basic fundamentals. My focus has always been...
How can I HELP MY CLIENTS grow their business? REDUCE EXPENSES, have a POSITIVE IMPACT for their success for the LONG-TERM!
I’ve built my career and business on my core Beliefs & Values! That is; Honesty, Impeccable Word, High Values, Reliability, Creativity, Conceptual Thinker, Problem Solver, and Seasoned Competitor.
My Goal is to help you grow your business! Your employees are counting on you!
Today, we’re experiencing one of the most difficult times in the California Economy. Businesses are struggling to survive, expenses are skyrocketing, and revenues are plummeting!
Follow me thru my ’Website’! I’m going to show you how to...
SAVE 20-40% on BUSINESS EXPENSE!SAVE 20-40% on BUSINESS EXPENSE!
I’m sure you’ve heard of a ‘Professional Employer Organization’...
I’ve researched and... PICKED THE BEST FOR YOU!I’ve researched and... PICKED THE BEST FOR YOU!
You can accomplish this... Do what you do best... GROW YOUR BUSINESS!
&PUT SUBSTANTIAL SAVINGS on YOUR BOTTOM PUT SUBSTANTIAL SAVINGS on YOUR BOTTOM LINE!LINE!
A VIABLE ‘ALTERNATIVE’ COVERAGE STRATEGY DESIGNED FOR FORWARD THINKING BUSINESS OWNERS SEEKING TO
DRAMATICALLY REDUCE THEIR EXPENSES
CASH FLOW OPTION & SOLUTION
Coverage Program Attributes
No Premium Deposit Pay Only a $250 Policy Fee
Pay as You Go Workers’ Comp Pay Premiums as You Go Each Pay Period
No Year End Policy Audit
AFFORDABLE WORKERS’
COMPENSATION COVERAGE
Annual Rebate on Your Account ‘Profit Sharing’
Typical Hard Dollar Savings Equivalent to 20%-40% off On Workers’ Compensation
Employer Services Platform Included Payroll/Tax, HR & Legal Support and Risk Management
AN INCLUSIVE STRATEGY THAT REDUCES BOTH HARD DOLLAR COSTS & RISK
TRADITIONAL VS ALTERNATIVE
SIMPLE ILLUSTRATION OF WHAT A PEO CAN DOFOR YOUR BUSINESS
THE ALTERNATIVE REVEALED: WHAT IS A PEO?
Professional employer organizations (PEO) enable clients to cost-effectively outsource the management of human resources, employee benefits, payroll and workers' compensation. PEO clients focus on their core competencies to maintain and grow their bottom line.
ALTERNATIVE: WHAT IS CO-EMPLOYMENT
The PEO relationship involves a contractual allocation and sharing of employer responsibilities between the
PEO and the client. This shared employment relationship is called co-employment.
A PEO provides integrated services to effectively manage critical human resource responsibilities and employer risks for clients. A PEO delivers these services by establishing and maintaining an employer relationship with the employees at the client's worksite and by contractually assuming certain employer rights, responsibilities, and risk.
ALTERNATIVE: EMPLOYER CONTROL UNDER A CO-EMPLOYMENT AGREEMENT
The PEO directs and controls worksite employees in matters involving human resource management and compliance with employment laws, and the client company directs and controls worksite employees in manufacturing, production, and delivery of its products and services.
Additional Information about a PEO may be found at:
• www.NAPEO.org
MOMENT OF TRUTH
Attitudes before Securing a PEO
Better than 9 out 10 New Clients Would Prefer to Stay On their Single-Sourcing Platform
9 out of 10 Consider the Payroll, HR, Legal, and Risk Support as Merely “nice to have” Resources
10 of 10 Make the Jump to Save Money
Attitudes after Securing PEO Services
9 out of 10 Clients Stay on Our Single-source Platform for better than 7 Years!
Bottom line: Once the initial burden of transition has been completed clients are satisfied with the program and can’t imagine multi-sourcing ever again.
TRUTH BE TOLD
NOW STARTS THE WORK
SECURING YOUR RATE INDICATION Receiving a Non-Binding Rate Indication and or a Binding Rate Quote is Simple.
What We Need for a Rate Indication
Required • Completed Accord 130
• Application for Insurance• Contractor Supplemental
Needed for Optional Labor Audit Comparison• Current SUTA Rate with EDD• Ballpark Idea of Payroll Processing Costs• Ballpark Idea of HR and Legal Costs• Current Workers’ Comp Rates by Labor Code
Turn Around Time• 1 to 2 business days
What We Need for a Binding Quote
Same as Rate Indication Plus (3) Years of Loss History Supporting information requested by the carrier Turn Around Time:
• 3 to 5 business days
SECURING YOUR RATESGETTING STARTED
Process for Getting Started
Remit Set Up Paper Work
Authorize Price Quote Authorize Client Service Agreement and
Addendums Complete Employee Application Package for 90%
of All Employees Remit the Items Above Along with Policy Fee to
Your Representative
Once Submitted
Welcome Call from the PEO Confirm Information and Pay dates If Needed, Certificate of Insurance Submitted to
CSLB When Appropriate Submit Pay Information via:
• Phone, Web, or Fax Remit Payment for Payroll Liability via:
• Wire, Bank Transfer, or Cashiers Check Payroll and Reports Sent Overnight Delivery
My Goal
Empowering My Clients with the Opportunity for AffordableEmpowering My Clients with the Opportunity for Affordable Workers' Compensation Insurance Coverage that includesWorkers' Compensation Insurance Coverage that includes Payroll & Tax, Risk and HR Support on a Pay as You Go BasisPayroll & Tax, Risk and HR Support on a Pay as You Go Basis with No Deposits and or Year Policy Audits. Our Clients Willwith No Deposits and or Year Policy Audits. Our Clients Will Save an Average of 20 to 40% of What They Are CurrentlySave an Average of 20 to 40% of What They Are Currently Paying. Paying.
PLEASE CONTACT ME: Andre’ OlivanAndre’ Olivan
Give Me A Call Today!
Andre’Andre’Andre’ J. Olivan, PEO Professional BrokerAndre’ J. Olivan, PEO Professional Broker
__PARTNERS IN PROFITABILITYPARTNERS IN PROFITABILITY
For information on BBSI, please utilize the following web links:http://www.dir.ca.gov/sip/sip.html
Profit Sharing AgreementProfit Sharing AgreementBBSI Clients will receive up to 1/3 of their premiums back annually in a safety incentive rebate for qualifying class codes. This rebate is paid out 60 days of the contractual anniversary date providing all claims are closed. This is a Contractual Agreement.
Future Experience ModificationFuture Experience ModificationBBSI, clients future experience modification becomes irrelevant throughout your tenure and relationship as they are governed by the Department of Industrial Relations (DOI) and not the ‘Workers’ Compensation Insurance Rating Bureau’ (WCIRB).
Who is Barrett Services Incorporated - BBSIWho is Barrett Services Incorporated - BBSI
Barrett Business Services is a Self-InsuredBarrett Business Services is a Self-Insured(PEO) Professional Employer Organization(PEO) Professional Employer Organization
In business since 1951 and is traded on the NSSDAQIn business since 1951 and is traded on the NSSDAQUnder the Ticker Symbol BBSIUnder the Ticker Symbol BBSI
Annual Net Revenues exceed $1.2 Billion and is virtually debtAnnual Net Revenues exceed $1.2 Billion and is virtually debt freefree
with $60 Million in Cash Reservewith $60 Million in Cash Reserve
What if I want to return to the WCIRB system?What if I want to return to the WCIRB system?
PAGE 3
PERSONAL REFERRALS
BUSINESS REFERRALS
You may do so, should you decide to return to the California System. BBSI is regulated by the DOI - (Department of Industrial Relations). Upon leaving the WCIRB, you will lose your Experience Modification. If you return, BBSI will give you ALL your Current Valued Loss Information. You will be Re-Evaluated by the WCIRB and after 3 years for a New Experience Modification, along with the current valued information. You will receive your’ New Experience Modification’.
WEB PAGE 3
HOW CAN A PEO HELP YOUR BUSINESS?HOW CAN A PEO HELP YOUR BUSINESS?
A PEO CAN BE AN INTEGRAL BUSINESSA PEO CAN BE AN INTEGRAL BUSINESS PARTNER!PARTNER!
SOSO‘YOU CAN FOCUS ON WHAT YOU DO‘YOU CAN FOCUS ON WHAT YOU DO
BEST’BEST’
‘GROW YOUR BUSINESS’‘GROW YOUR BUSINESS’
May I ask Business Owners 2 Basic Questions?May I ask Business Owners 2 Basic Questions?
Did you go into business because you had a ‘Dream’ or ‘Idea’ that you could build some sort of structure, manufacture or distribute a product, or render a service?
Question 1 Did you know the difference between being a ‘Business Owner’ and being an ‘Employer’?
Being an employer is NOT what or why you went into business. Besides, most business plans do not include the procedures and systems for being an employer. Most business owners do not know or understand the complexities of being an owner.
Question 2 Did you know how complex... ‘Employee Management’ is?
That’s another area of challenge, running a business and what the owner must do to comply with the complex regulations that govern employment of workers.
Why Businesses Need a PEO
The PEO can assist businesses in human resources management functions allowing, you the ‘Owner’ and your managers to concentrate on making the business run smoothly.
By engaging a PEO, the ‘Business Owner’ can concentrate on their own business, instead of researching and developing methods to comply with federal and state labor regulations. It is important for you to understand the limits of liability and to what extent your PEO assists clients in employment claims.
Benefits of engaging a PEO for Workers’ Compensation and Risk Management
With ‘Professional Employer Organization’ relationship, your business can obtain workers’ compensation insurance, provide a safer workplace, and reduce frequency and severity of workers’ compensation claims. Some other the other benefits of engaging a PEO for worker’s compensation and risk management perspective include:
Eliminations of the workers’ compensation down payment Elimination of the payroll-premium audit Elimination of the audit premium Receive up to 1/3 of Premium Rebate for Loss Results Smaller “no interest” financed premium payments Work site safety inspections and recommendations Safety Manuals Assistance with Safety Meetings Processing of workers’ compensation claims Claims Management of on-going claims Workers’ Compensation claim investigations Post Accident drug testing Assistance with workers’ compensation hearings Assistance with OSHA compliance and reviews Coordinating return to work programs
Benefits of engaging a PEO for Human Resources
The PEO can assist businesses in human resource management functions allowing management to concentrate on the business. Some of the other benefits to the client by engaging a professional employer for human resources management may include:
Human resources consultations and solutions Employee and supervisory training
Assistance with workplace conflicts Employee handbooks documenting personnel problems and disciplinary actions Legally required postings Assistance with state unemployment claims hearings and appeals EEO/Title VII compliance assistance ADA compliance assistance FMLA compliance assistance, record keeping PRWORA compliance assistance Audit protections from government agencies assistance with sexual harassment allegations Pre-Employment screening assistance Providing human resource forms
Drug Testing policies and procedures Providing drug policy collection and administration Eliminating potential court action for non-compliance Eliminating fines and penalties for non-compliance Job descriptions filing the Form 5500 “the employee benefit tax returns” assist with personnel reviews Coordinating with legal counsel on labor issues assist with the federal wage and hour claims File the EEO-1
Some of the COMMON FEDERAL EMPLOYMENT REGULATIONS are:
Title VII of the Civil Rights Act ADA - American with Disabilities Act COBRA - Consolidated Omnibus Budget Reconciliation Act HIPPA - Health Insurance Portability and Accountability Act PRWORA - Personal Responsibility Work Opportunity
Reconciliation Act FMLA - Family and Medical Leave Act FLSA - Fair Labor standards Act ADEA- Age Discrimination in Employment Act IRCA - Immigration Reform and Control Act OSHA - Occupational Safety and Health Act WARN - Worker Adjustment and Retraining Notification Act ERISA - Employment Retirement Income Security Act
