My business is to assist small businesses in choosing between a traditional employee benefit plan and PEO services. Life and health licensed agent with 20 years of industry experience. Clients include doctors, lawyers, manufacturing cos, service providers, retail, hospitality, anyone with employees. PEO is a cost effective method of providing accurate payroll record keeping. Workers' compensation is the responsibility of the PEO and requires no down payment. Employee benefits are available at large group rates ensuring volume discounts and easy administration. Personal insurance for business owners includes health, life, disability and long term care. If you don't want to have your partner's wife as your BUSINESS partner, make sure you fund a buy sell agreement with life insurance.