The Firm
Built by agents. Engineered for the market.
Employer Risk Advisory was formed to solve a structural problem in the PEO and workers' compensation market: agents encounter suitable clients constantly, but no single carrier writes every risk. Shopping four markets means four applications, four relationships, and weeks of waiting. Most deals die instead.
ERA is the wholesale layer that fixes it — a single intake, parallel screening against every contracted market's written appetite, and one best co-branded offer on the winning carrier's paper. Turnaround measured against underwriting standards, not calendar weeks.
Operating Principles
How we work — and what we refuse to do.
Neutrality by contract
Every PEO market operates on identical terms. Our routing is provably appetite-driven, not compensation-driven — the standard our carrier partners require.
Life-of-client compensation
Producer commissions recur for the life of the placement. Contractually preserved across every carrier. This is the single most important term in every market agreement we sign.
Underwriting stays with the carrier
ERA triages and packages — we never rate or issue quotes on our own. All pricing decisions are the named PEO's, on the PEO's paper, presented by us.
Speed as infrastructure
Automated intake, deterministic appetite matching, and a human reviewer on every packet. Hours-not-weeks is a design decision, not a marketing line.
Co-branded, always
The client sees your agency alongside the carrier's paper. We are the wholesale layer — never the retail relationship.
Confidentiality and BAA
HIPAA Business Associate Addendum in every agent agreement. Client census and benefits data handled to enterprise standards.
Compliance
Licensed. Bonded. Confidential.
Employer Risk Advisory maintains resident and nonresident P&C producer licensing in every state a placement requires, professional E&O coverage on the brokerage entity, and formal producer compensation disclosure on client-facing documents where required.