The document introduces Andre Olivan and his background in commercial insurance brokering. It discusses how a Professional Employer Organization (PEO) can help businesses save 20-40% on expenses like workers' compensation insurance by taking on employer responsibilities. It provides an overview of the benefits of using a PEO for reducing costs, improving risk management, and assisting with human resources obligations. The document aims to demonstrate how engaging a PEO allows businesses to focus on their core operations.

1. WEBSITE INTRODUCTION
HELLO BUSINESS OWNERS!
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!
I’m sure you’ve heard of a ‘Professional Employer Organization’...
I’ve researched and... PICKED THE BEST FOR YOU!
r ed ... YOU
You can accomplish this...
Do what you do best... GROW YOUR BUSINESS!
&
PUT SUBSTANTIAL SAVINGS on YOUR BOTTOM LINE!

2. AFFORDABLE
WORKERS’
COMPENSATION
COVERAGE
‘ALTERNATIVE’
A VIABLE 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
Annual Rebate on Your Account ‘Profit Sharing’

3. Typical Hard Dollar Savings Equivalent to 20%-40% off
On Workers’ Compensation
Or
Ex. $1,000,000 Payroll 3- 5% or $30,000 - $50,000 in
Annual Savings
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 DO
FOR 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

4. 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

5. 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

6.  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 RATES
GETTING 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

7. My Goal
Empowering My Clients with the Opportunity for Affordable Workers'
Compensation Insurance Coverage that includes Payroll & Tax, Risk
and HR Support on a Pay as You Go Basis with No Deposits and or Year
Policy Audits. Our Clients Will Save an Average of 20 to 40% of What
They Are Currently Paying.
PLEASE CONTACT ME: Andre’ Olivan
Give Me A Call Today!
Andre’
Andre’ J. Olivan, PEO Professional Broker
www.peoprofessionalbroker.com
andre.peoprobroker comcast.net
andre.peoprobroker@comcast.net
Office: 530.432.4746 Cell: 530.913.5001
CA.DOI.LIC#057.1576

8. PAGE 2 OF WEBSITE
AFFILITE BROKER for BBSI
__PARTNERS IN PROFITABILITY
PARTNERS
Who is Barrett Services Incorporated - BBSI
Barrett Business Services is a Self-Insured
(PEO) Professional Employer Organization
In business since 1951 and is traded on the NSSDAQ
Under the Ticker Symbol BBSI
Annual Net Revenues exceed $1.2 Billion and is virtually debt free
with $60 Million in Cash Reserve
For information on BBSI, please utilize the following web links:
http://www.dir.ca.gov/sip/sip.html
Profit Sharing Agreement
BBSI 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 Modification
BBSI, 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).
What if I want to return to the WCIRB system
eturn system?
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’.

9. PAGE 3
PERSONAL REFERRALS
BUSINESS REFERRALS

10. WEB PAGE 3
HOW CAN A PEO HELP YOUR BUSINESS?
?
A PEO CAN BE AN INTEGRAL BUSINESS PARTNER
PARTNER!
SO
‘YOU CAN FOCUS ON WHAT YOU DO BEST’
‘GROW YOUR BUSINESS’
May I ask Business Owner 2 Basic Questions?
Owners
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.

11. 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

12. • 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