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  • Business Continuity Tips – How to Keep Your Business Running During Coronavirus Disease (COVID- 19) Outbreak

    Business Continuity Tips – How to Keep Your Business Running During Coronavirus Disease (COVID- 19) Outbreak

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    Business Continuity Tips- How to Keep Your Business running During Coronavirus Disease (COVID- 19) Outbreak

    [/et_pb_text][et_pb_blurb title=”What is Coronavirus Disease (COVID- 19)?” _builder_version=”4.0.9″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ background_layout=”dark” custom_margin=”30px||30px||true” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff”][/et_pb_blurb][et_pb_text _builder_version=”4.0.9″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_4_font=”Lato|700|||||||”]

    Many businesses are now finding themselves in very challenging times as the country faces Coronavirus disease (COVID- 19). Coronavirus disease is a respiratory illness that can spread from person to person. The common signs of infection include respiratory symptoms, fever, cough, shortness of breath and breathing difficulties. In more severe cases the infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death.

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    With a total US cases at 140,904, 2,405 deaths and 6,338 reported cases in FL (and rising) businesses are wise to take heed of the recommendations to prevent infection spread. –CDC

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    Standard recommendations include regular hand washing, covering mouth and nose when coughing and sneezing, thoroughly cooking meats and eggs. Avoiding close contact with anyone showing symptoms of respiratory illness such as coughing and sneezing. It is also advised to avoid large groups of 50 or more, refrain from touching your face, refrain from touching common areas and remain 3ft apart from others. – CDC

    [/et_pb_text][et_pb_text _builder_version=”4.0.9″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]Social distancing or the act of being remote and distancing yourself from social groups or gatherings is becoming a standard. Which is becoming a huge concern for many businesses that work directly with clients and the general public. [/et_pb_text][et_pb_video src=”https://www.youtube.com/watch?v=1APwq1df6Mw” _builder_version=”4.0.9″][/et_pb_video][et_pb_video _builder_version=”4.0.9″ src__hover_enabled=”on|hover” src__hover=”https://www.youtube.com/watch?time_continue=76&v=1APwq1df6Mw&feature=emb_logo”][/et_pb_video][et_pb_blurb title=”What is the impact to businesses ” _builder_version=”4.0.9″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ background_layout=”dark” custom_margin=”30px||30px||true” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff”][/et_pb_blurb][et_pb_text _builder_version=”4.0.9″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_4_font=”Lato|700|||||||”]

    Many small businesses are now faced with clients that are canceling orders or events, suppliers with little to no inventory, and employees that they may need to reduce hours or worse, lay off.

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    From marketing companies, party planners, construction professionals to nonprofit organizations, many are feeling the impact of this virus. As a result, many business owners have turned to either sending employees home to work, reducing the hours that employees are working, or simply letting go of a large part of their workforce.

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    Companies are looking for alternatives to closing their doors, reducing hours of operation, seeking funding or financial resources from the Small Business Administration or even calling their insurance providers to determine if their business interruptions insurance or unemployment insurance will cover the loss associated with the virus.

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    Still, there are many businesses that have seen a rise in demand. From grocery stores, cleaning companies, staffing companies, medical transportation companies to cloud-based computing companies.

    For these companies, the challenge is how to effectively capitalize on the high demand for their services given the current market conditions.

    [/et_pb_text][et_pb_blurb title=”What can you do as a small business owner?” _builder_version=”4.0.9″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ background_layout=”dark” custom_margin=”30px||30px||true” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff”][/et_pb_blurb][et_pb_text _builder_version=”4.0.9″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_3_font=”||||||||” header_4_font=”Lato|700|||||||”]

    As a small business owner facing a slow period here are some options to consider:

    1. As opposed to laying off your workforce, reduce the number of hours each employee has to work.
    2. Make a request of your staff to take a mandatory non-paid 4 week time off during the year to allow for your employees to keep their jobs. Be sure to stagger the time-off requests throughout the year.
    3. Review your insurance policies to determine if your business and employees are covered.
    4. Contact your local small business administration office to see what resources are available to you. These can range from grants to loans with smaller interest rates. The Florida Small Business Emergency Bridge Loan Program is currently available to small business owners locate in all Florida counties statewide that experience economic damage as a result of COVID- 19.

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    As a small business owner facing a rise in business here are some options to consider:

    Make sure you have an effective business continuity plan in place that ensures that personnel and assets are protected and are able to function quickly in the event of a disaster.
    a. Working remotely
    b. Access to critical data
    c. Safety and security risks
    d. Hiring & firing
    e. Client onboarding & mitigating client impact and loss

    1. Working remotely not only assists in the mitigation of spreading the virus, it also protects your employees from contracting it which means they are able to remain working. This also results in your employees not seeing a decline in hours worked impacting their compensation and your clients not seeing a decline in service.

    2. Access to critical data gives your employees the ability to truly be effective while out of the office. There are various platform the allow for sharing data and storing information and virtual desktops. Here are a few you can reference: Citrix, Amazon Workspaces, IBM Cloud

    3. Safety and securities risk can range from dealing with sensitive data to making sure your employees are adequately washing their hands, keep a reasonable distance from one another and clients, and remaining home if they believe they are sick.

    4. Hiring and firing might come as a result of sudden growth, more specifically hiring. In this instance you want to make sure you hiring the right people for the job, setting proper expectation on the responsibilities and the term of the position as well as following labor laws that apply to your industry, local and federal level. In these instances, if you are unfamiliar as to what might apply to you and your industry or simply do not know where to start, Fortune Business Consulting can be a resource to you! From identifying payroll and insurance providers to HR outsourcing companies that will provide all of the labor posters and resources you need.

    5. Client onboarding and mitigating client impact and loss will be huge undertaking especially if your business has not seem growth at this magnitude. Create and have processes and procedures in place to not only minimize error but to make sure your clients are all getting the highest level of services each and every time. Prequalify using the phone or videoconferencing platforms such as GoToMeeting, Zoom, and Skype. When delivering services that can be electronically delivered or onboarded, use platforms that are user-friendly and easy to learn. When delivering products, be sure to wash your hands both before and after. Have an effective time and money management platform to assist with those administrative aspects of the business. For money management and accounting these platforms are useful: Freshbooks, Xero, Quickbooks and Waveapps .

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    We are in uncharted territory as it pertains to COVID- 19 and it’s ultimate impact. For business owners these are very trying and uncertain times.

    [/et_pb_text][et_pb_blurb title=”Here are some helpful Links ” _builder_version=”4.0.9″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ background_layout=”dark” custom_margin=”30px||30px||true” custom_padding=”10px|10px|3px|10px|false|true” border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff”][/et_pb_blurb][et_pb_text _builder_version=”4.0.9″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em” custom_padding=”3px|||||” link_option_url=”https://floridadisasterloan.org/?fbclid=IwAR02v7Tv9R0ExDPsP0NnFSAi8Jl35IsrWWudwhOkZPJojIzNhT2xIcR4O_g” hover_enabled=”0″]

    Florida Small Business Emergency Bridge Loan Program

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    SBA Disaster Loans

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    SBA Funding Program

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    US Department of Labor on Unemployment Insurance

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    Florida Department of Health Guidance for Business

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    Florida Department of Economic Opportunity (DEO Guidance for Business

    [/et_pb_text][et_pb_cta title=”Still have questions?” button_url=”https://meetings.hubspot.com/stephanie76/discovery-meeting” url_new_window=”on” button_text=”Click Here” _builder_version=”3.19.11″ background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

    Schedule your free analysis to see what option works best for your business

    [/et_pb_cta][/et_pb_column_inner][/et_pb_row_inner][et_pb_row_inner _builder_version=”3.25″][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|||” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_comments _builder_version=”3.16″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_comments][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.25″ custom_padding=”|||” parallax__hover=”off” parallax_method__hover=”on” padding_left__hover=”5px” custom_padding__hover=”|||”][et_pb_team_member name=”Stephanie Fortune” position=”President – Fortune Business Consulting ” image_url=”https://wordpress.fortunebizconsulting.com/wp-content/uploads/2018/07/stephanie_headshot.jpeg” facebook_url=”https://www.facebook.com/FortuneBCLLC/” linkedin_url=”https://www.linkedin.com/in/stephanie-fortune/” _builder_version=”3.12.1″] Hi, My name is Stephanie! I am passionate about helping small and medium-sized businesses empower themselves and their employees while working to achieve their strategic goals! By reviewing your unique business needs, we implement HR, Commercial insurance and payroll solutions that are right for you! [/et_pb_team_member][/et_pb_column][/et_pb_section]

  • Do I need Workers’ Compensation in Florida?

    Do I need Workers’ Compensation in Florida?

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    What is Workers’ Compensation Insurance?

    Workers’ compensation insurance provides medical and wage benefits to employees who become injured on the job. More specifically, it provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill in the course and scope of their job. Workers’ comp also pays death benefits to families for employees who lose their lives on the job.

    Workers’ compensation coverage is mandated by the state in addition to the wage and medical benefits.

    Employers, not employees, are required to purchase workers’ compensation insurance. In exchange, employers are protected from civil suits that may rise as a result of an employee who is injured on the job.

    Is workers’ compensation required in the state of Florida?

    In Florida, workers’ compensation coverage is required by employers who meet specific criteria. The requirements are based on industry, number of employees, and the type of entity. My Florida CFO

    Below we’ve broken down the various differences. 

    Construction industry:

    One (1) or more employees, including the owner of the business who are corporate officers or LLC members.

    Non-Construction industry:

    Four (4) or more employees, including business owners who are corporate officers or LLC members.

    Agriculture industry:

    Six (6) regular employees and/or twelve (12) seasonal workers who work more than 30 days during a season but no more than 45 days in a calendar year

    Contractors:

    All contractors are required to make certain that their sub-contractors have required workers compensation coverage before they begin work on a project. If a sub-contractor does not have workers’ compensation insurance for it’s employees, those workers become the employees of the contract if an injury occurs. My Florida CFO

    How much does workers’ compensation cost?

    As mentioned, workers’ compensation is based on three criteria.

    Payroll:

    The total payroll/ wages that the business pays out to its employees.

    Type of work performed by employees:

    Depending on the work performed, employees are grouped into “classes”. Rates are then determined for each class of business.

    Individual employer claims history:

    Rates are determined for each class based on the prior five years of loss costs for all businesses within that class. A system called “experience rating” allow for modification of the class rates based on the loss history of individual business.

    This system allows for flexibility with regards to pricing and put more control of rates in the hand of the employers. Premium discounts may apply in the event that the employer qualifies for safety credits or drug-free credits.

    What are the penalties for not having Workers’ Compensation in Florida?

    Employers that operate without the required workers’ comp coverage risk civil penalties. This typically means that the business would be subject to stop work orders that require all operation to stop until it complies with law and pays a penalty.

    The fees are typically equal to twice the amount the employers would have paid in premium for the preceding two-year period.

    Criminal charge may apply if employers do not comply with stop-work orders. You can also be subject to a stop work order if:

        • Payroll is understated or concealed
        • Employers’ duties are misrepresented or concealed
        • There is any attempt to avoid paying workers’ compensation
          premiums

    How do I get workers’ compensation insurance?

    • Standard market through a commercial insurance agent
    • Florida Workers’ Compensation Joint Underwriting Association (FWCJUS). The workers’ compensation rates in the FWCJUA will be higher than the rates in the standard market. WC Division of MY CFO
    • Professional Employer Organization or employee leasing. Member resources are pooled and liability is spread allowing for companies with more difficulty securing workers’ compensation to have coverage. Using a Professional Employer Organization Broker or PEO Brokers can assist and guide you in the process of finding the right PEO, pricing, and coverage for your business needs. Schedule your no cost consultation to see what PEO is the right fit for you

    Need more information for your unique business?

    Fortune Business Consulting helps small and mid-sized businesses secure workers compensation coverage and can assist you in finding the coverage you need to get you and keep you working.
    Visit our website at https://wordpress.fortunebizconsulting.com or schedule your free consultation today.

    [/et_pb_text][et_pb_signup layout=”top_bottom” first_name_fullwidth=”off” last_name_fullwidth=”off” title=”Want More Small busines Tips?” description=”

    If you still need more tips determining if a PEO is the right fit for your business, visit Fortune Business Consulting and subscribe to our email list. Don’t forget to comment your employee and insurance-related challenges and solutions!

    ” _builder_version=”3.19.11″ header_font=”||||||||” form_field_font=”||||||||” background_color=”#62b7ef” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_signup][/et_pb_column_inner][/et_pb_row_inner][et_pb_row_inner _builder_version=”3.9″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on”][et_pb_comments _builder_version=”3.16″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_comments][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on”][et_pb_team_member name=”Stephanie Fortune” position=”President – Fortune Business Consulting ” image_url=”https://wordpress.fortunebizconsulting.com/wp-content/uploads/2018/07/stephanie_headshot.jpeg” facebook_url=”https://www.facebook.com/FortuneBCLLC/” linkedin_url=”https://www.linkedin.com/in/stephanie-fortune/” _builder_version=”3.12.1″] Hi, My name is Stephanie! I am passionate about helping small and medium-sized businesses empower themselves and their employees while working to achieve their strategic goals! By reviewing your unique business needs, we implement HR, Commercial insurance and payroll solutions that are right for you! [/et_pb_team_member][/et_pb_column][/et_pb_section]
  • What is A Professional Employer Organization (PEO)?

    What is A Professional Employer Organization (PEO)?

    [et_pb_section fb_built=”1″ use_custom_width=”on” specialty=”on” custom_padding_last_edited=”on|desktop” padding_left_1=”0px” padding_left_2=”5px” _builder_version=”3.19.11″ custom_margin=”|-5px||-15px” custom_margin_last_edited=”on|desktop” custom_padding=”32px|0||0px|false|false” top_divider_height=”176px” top_divider_repeat=”5x”][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” padding_left__hover=”0px” padding_left=”0px” parallax=”off” parallax_method=”on”][et_pb_row_inner custom_padding=”22.25px|15px|17.6px|0|false|false” _builder_version=”3.19.11″ custom_margin=”3px||”][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em”]

    What is a Professional Employer Organization (PEO)

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em”]

    If you’ve found yourself wondering what a PEO or Professional Employer Organization is, you are not alone. A Professional Employer Organization (PEO) company partners with small and mid-sized businesses to offer human resource management services.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    PEOs or “Employee Leasing” companies, as some may know them, offer various services to their clients or co-employers. PEOs offer complete payroll processing, risk management support, benefits and human resource management resulting in a complete HR solution.

    [/et_pb_text][et_pb_text text_font_size=”18px” text_line_height=”2em” _builder_version=”3.19.11″ text_font=”Lato||||||||”]Under the PEO framework, the client company and the PEO form what is called a co-employer relationship. The National Association of Professional Employer Organizations (NAPEO) defines co-employment as the contractual allocation and sharing of employer responsibilities between a PEO and its client.[/et_pb_text][et_pb_blurb _builder_version=”3.19.11″ background_color=”#0c71c3″ border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” header_font=”Lato|700|||||||” header_level=”h3″ title=”PEOs partner with SMBs to provide HR, Payroll, Workers’ Compensation and benefits solutions.” header_text_align=”center” header_line_height=”1.5em” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|5px|5px|5px|5px” custom_margin=”30px||30px||true”][/et_pb_blurb][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em”]

    What does a PEO do?

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    Payroll:

    PEOs process your payroll and manage the entire operation. So consider your automated deposits, one time payments, vacation and time off accrual. They manage it all. Not to mention the tax reporting and management process.

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    Benefits:

    PEOs assist in providing small and mid-sized businesses access to benefits options they would not otherwise have access to. Such as benefits administration, access to various plan designs, and the claims process.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    They can also provide access to medical, dental and vision coverage. Some PEO’s or leasing companies even offer life and disability coverage and 401(k) plans to their client companies as well. 

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    Risk Management & Compliance:

    A PEO takes the burden of securing workers’ compensation coverage and places its client companies under their workers compensation classification code. As a result the client company can potentially reduce the their workers comp rates and overall premium costs. In addition, the risk department of a PEO also gives you access to risk management experts that review your companies safety procedures and recommend and assist in implementing safety measures to create a safe work environment for the employees.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    For many small and mid-sized businesses, securing workmen’s compensation is a challenge. Even using an insurance broker can come to no avail. Consequently, PEO’s have offered a solution to such problems in providing an alternative to finding workers compensation coverage.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”||||||||” header_4_font=”Lato|700|||||||” header_4_line_height=”1.6em”]

    Human Resource Management (HRM):

    Human resource consultants are provided by PEO’s to give their client company the tools to help manage and support the employees. From training and development to new hire packages and on-boarding processes and procedures. A PEO provides all of the support the client company would need to help in successfully on-boarding, training, and if necessary off-boarding of employees and everything in between.

    [/et_pb_text][et_pb_blurb title=”According to a recent study by noted economists Laurie Bassi and Dan McMurrer, businesses that use PEOs grow 7 to 9 percent faster, have 10 to 14 percent lower employee turnover, and are 50 percent less likely to go out of business -NAPEO” _builder_version=”3.19.11″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” custom_padding=”10px|10px|3px|10px|false|true” custom_margin=”30px||30px||true”][/et_pb_blurb][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em”]

    How do you know which PEO is right for you?

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    So how do you know if a Professional Employer Organization (PEO) if right for your business needs? If you have a small or mid-sized business and are great at running your business and providing services to your client but find it challenging to manage the HR aspects of things, you may want to consider a PEO.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    Say you’re a small business and want to offer benefits to your employees but simply don’t have enough employees to participate. A PEO should be considered.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    From processing payroll, to managing HR and workers compensation issues, time is of the essence. A Professional Employer Organization provides the expertise to help business owners free up their time to focus on what matters most, growing their business!

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    PEO Brokers assess the client companies needs and determine which PEOs would be suited to meet and exceed their needs at the best possible rates.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    Consulting a PEO Broker can reduce the time spend and headache that may result from having to learn a new industry, which companies provide what, how they are all priced and the sometimes tedious submission process for each. 

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em”]

    Using a PEO Broker can take the headache and frustration out of the process and save you money and time as a result.

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    So, is a PEO the right fit for you?

    [/et_pb_text][et_pb_blurb title=”Schedule your free risk and HR audit with a PEO Broker Today” _builder_version=”3.19.11″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” custom_padding=”10px|10px|3px|10px|false|true”][/et_pb_blurb][et_pb_cta title=”Still have questions?” button_url=”https://meetings.hubspot.com/stephanie76/discovery-meeting” url_new_window=”on” button_text=”Click Here” _builder_version=”3.19.11″ background_color=”#0c71c3″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” border_radii=”on|5px|5px|5px|5px”]

    Schedule your free analysis to see what option works best for your business

    [/et_pb_cta][/et_pb_column_inner][/et_pb_row_inner][et_pb_row_inner _builder_version=”3.9″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_comments _builder_version=”3.16″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_comments][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” padding_left__hover=”5px” padding_left=”5px” parallax=”off” parallax_method=”on”][et_pb_team_member name=”Stephanie Fortune” position=”President – Fortune Business Consulting ” image_url=”https://wordpress.fortunebizconsulting.com/wp-content/uploads/2018/07/stephanie_headshot.jpeg” facebook_url=”https://www.facebook.com/FortuneBCLLC/” linkedin_url=”https://www.linkedin.com/in/stephanie-fortune/” _builder_version=”3.12.1″] Hi, My name is Stephanie! I am passionate about helping small and medium-sized businesses empower themselves and their employees while working to achieve their strategic goals! By reviewing your unique business needs, we implement HR, Commercial insurance and payroll solutions that are right for you! [/et_pb_team_member][/et_pb_column][/et_pb_section]
  • Can a PEO help my small business?

    Can a PEO help my small business?

    [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” _builder_version=”3.12.1″ custom_margin=”|-5px||-10px” custom_margin_last_edited=”on|desktop” custom_padding=”32px|0||0|false|false” top_divider_height=”159px” top_divider_repeat=”2x”][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_row_inner custom_padding=”22.2656px|0|22.2656px|0|false|false” _builder_version=”3.9″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em”]

    Can a PEO help my small business?

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” text_text_color=”#000000″]

    You’ve come across the acronym PEO, or even heard your insurance agent reference it a time or two, but what does it mean and why does it keep coming up? We’ve been hearing the same, so let me fill in some of the gaps, so you can determine if it’s the right fit for your small business. According to NAPEO, A professional employer organization (PEO) provides comprehensive HR solutions for small and mid-sized businesses. Including payroll, benefits, HR tax administration, and regulatory compliance assistance.

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” text_text_color=”#000000″]

    A PEO becomes a partner of sorts, forming what is called a co-employer relationship. NAPEO defines the co-employer relationship as contractual allocation and sharing of certain employer responsibilities between the PEO and the client. The client company provides worksite employees with the tools, instruments, and place to work.

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    Some PEOs provide assistance and suggestions to the client when it comes to offering worksite employees a workplace that is safe, conducive to productivity and operated with best practices with employment rules and regulations. They can also assistance with workers’ compensation insurance and a broad range of employee benefits programs. What does a PEO do for your business: Not all PEOs are made the same, however, here are services that various PEOs may provide to your business.

    [/et_pb_text][et_pb_blurb title=”PEOs are not one size fits all. How can a PEO actually help you? ” _builder_version=”3.19.11″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” custom_padding=”10px|10px|3px|10px|false|true”][/et_pb_blurb][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em” custom_padding=”0px||0px” custom_margin=”0px||0px”]

    Payroll Administration:

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    • Payroll processing, direct deposit, check, pay cards and distribution
    • Federal, state and local tax deposits and filings
    • Web-based online reporting
    • Employer and employee portals

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em” custom_padding=”0px||0px” custom_margin=”0px||0px”]

    Workers’ Compensation:

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    • Payroll processing, direct deposit, check, pay cards and distribution
    • Pay as you go, no deposit and no annual audit
    • Low group rates
    • Access to “A-rated” carriers

    [/et_pb_text][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” header_font=”Lato|700|||||||” header_text_color=”#0c71c3″ header_line_height=”1.4em” header_2_font=”Lato|700|||||||” header_2_text_color=”#0c71c3″ header_2_line_height=”1.4em” header_3_font=”Lato|700|||||||” header_3_text_color=”#0c71c3″ header_3_line_height=”1.4em” header_4_font=”Lato|700|||||||” header_4_text_color=”#0c71c3″ header_4_line_height=”1.4em” custom_padding=”0px||0px” custom_margin=”0px||0px”]

    HR Services and Compliance:

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    • HR Professionals and Specialists
    • HR and benefits support
    • Background checks
    • Local, state and federal government compliance
    • Employee and management training
    • Compliances checks and risk analysis

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    Employee Benefits:

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    • Health, dental, life, vision disability and supplemental insurance
    • 401 (k) retirement plant
    • Section 125 flex plan
    • All benefits paid and reconciled on your behalf
    • Detailed benefits reports

    [/et_pb_text][et_pb_blurb title=”A professional employer organization (PEO) provides comprehensive HR solutions for small and mid-sized businesses” _builder_version=”3.19.11″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” custom_padding=”10px|10px|3px|10px|false|true”][/et_pb_blurb][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” text_text_color=”#000000″]

    So that may have come off as a mouth full. This is all new to you, well it is a lot! So, let’s apply this to a small company as an example. ABC Electric is an electrical contracting company. They have 10 employees and have been in business for three years. In the past three years, they’ve had one claim increasing their workers’ compensation rates in the open markets and that’s making it a little challenging to find coverage. Business is growing but that also means it takes the business owner more and more time away from the administrative operations of the business. Bob, the owner decided to search for a solution to processing payroll and possibly lowering his workers’ compensation rates. In addition, while he is GREAT at the electrical side of the business, managing employees has him pulling his hair out!

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    Option 1 – Payroll & Insurance

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    Outsource his payroll functions to a payroll company and keep his workers’ compensation policy with the current carrier with the higher rates. The payroll company will process payroll, manage tax filings and would have access to the portals. The workers’ compensation carrier and his insurance agency will prorate the premium using his claims history, number of employees in each class code and state rates associated with the code, MOD, expense constant and any discounts. The carrier will perform an audit which will determine if Bob has over or under paid and will either receive a refund or must pay the remaining balance due.

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    Option 2 – Professional Employer Organization “PEO”

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    He can outsource to a PEO which will handle the HR functions, payroll and workers’ compensation coverage. Being that a PEO has many client companies, they have more buying power when it comes to workers’ compensation rates. They have economies of scale; therefore, Bob would be buying a policy as if he was a company of thousands of employees as opposed to his 10. This leads Bob to have lower rates and not be as impacted by his own claim. There will no longer be annual audits as the PEO will track on actual payroll numbers.

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    So, there are no year-end surprises. As a co-employer, a PEO has a vested interest in reducing risk within your organization. That means they will proactively work with your company to create a safe working environment for your employees. Bob now has more time to focus on his employees and clients. He no longer must spend hours reconciling payroll, or managing the administrative process of HR and risk, and can work on growing the business.

    [/et_pb_text][et_pb_blurb title=”Two-thirds of businesses with employees survive at least 2 years and about half of that survive 5″ _builder_version=”3.19.11″ header_level=”h3″ header_font=”Lato|700|||||||” header_text_align=”center” header_line_height=”1.5em” body_font=”Lato||on||||||” body_text_align=”left” body_font_size=”26px” background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” border_style_all=”groove” box_shadow_style_image=”preset1″ box_shadow_horizontal_image=”4px” box_shadow_color_image=”#ffffff” background_layout=”dark” custom_padding=”10px|10px|3px|10px|false|true”][/et_pb_blurb][et_pb_text _builder_version=”3.19.11″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”2em” text_text_color=”#000000″]

    Given that two-thirds of businesses with employees survive at least 2 years and about half of that survive 5 according to Bureau of Labor Statistics, it’s critically important to manage employees and the challenges that may come along with them. The success of your business depends on it. The biggest challenges that small businesses face is cash flow, decline of customer spending, and economic uncertainty. National Association of Small Business .

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    Business owners must make a point to focus on their employees, manages the costs associated with it so that they are free to focus on growing their client base and serving their current clients. According to a study, small businesses that work with a PEO grow 7 to 9 percent faster, have employee turnover that is 10 to 14 percent lower, and are 50 percent less likely to go out of business. In addition to 70% reporting increase in revenue. NAPEO

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    For your unique business, you may be processing payroll in-house to start then as you grow consider a payroll company then PEO. Your needs may vary due to your ability to manage employees or risk. For many, a PEO is a viable option because they are unable to secure proper coverage in the open market. For others it is a viable option because they need the HR assistance and can’t take on the cost associated to hire a dedicated HR professional internally.

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    A PEO is not one size fits all. In addition, not all PEOs are made the same. Fortune Business Consulting helps businesses to find solutions that solve their unique business needs. Are you considering options with regards to insurance, payroll and HR? Let Fortune Business Consulting help you with the analysis process. Don’t worry, we keep you in mind! Like what you’ve read? Subscribe to our other articles and learn how to keep your business growing!

    [/et_pb_text][et_pb_cta title=”Still have questions?” button_url=”https://meetings.hubspot.com/stephanie76″ url_new_window=”on” button_text=”Click Here” _builder_version=”3.19.11″ background_color=”#0c71c3″ border_radii=”on|5px|5px|5px|5px” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”] Schedule your free analysis to see what option works best for your business [/et_pb_cta][/et_pb_column_inner][/et_pb_row_inner][et_pb_row_inner _builder_version=”3.9″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_comments _builder_version=”3.16″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_comments][/et_pb_column_inner][/et_pb_row_inner][et_pb_row_inner _builder_version=”3.19.11″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_signup layout=”top_bottom” first_name_fullwidth=”off” last_name_fullwidth=”off” title=”Want More Small busines Tips?” description=”

    If you still need more tips determining if a PEO is the right fit for your business, visit Fortune Business Consulting and subscribe to our email list. Don’t forget to comment your employee and insurance-related challenges and solutions!

    ” _builder_version=”3.19.11″ header_font=”||||||||” form_field_font=”||||||||” background_color=”#62b7ef” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][/et_pb_signup][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_team_member name=”Stephanie Fortune” position=”President – Fortune Business Consulting ” image_url=”https://wordpress.fortunebizconsulting.com/wp-content/uploads/2018/07/stephanie_headshot.jpeg” facebook_url=”https://www.facebook.com/FortuneBCLLC/” linkedin_url=”https://www.linkedin.com/in/stephanie-fortune/” _builder_version=”3.12.1″] Hi, My name is Stephanie! I am passionate about helping small and medium-sized businesses empower themselves and their employees while working to achieve their strategic goals! By reviewing your unique business needs, we implement HR, Commercial insurance and payroll solutions that are right for you! [/et_pb_team_member][/et_pb_column][/et_pb_section]