These factors pose a very real risk to your business and livelihood. You need someone in your corner... someone to look out for your best interests as a business owner.

With this in mind, Selective HR Solutions, a subsidiary of Selective Insurance Group, Inc., developed an Employer Protection Program^SM (EPP) that helps protect business owners from employment-related liability. This unique program helps provide the protection employers can no longer afford to be without.

	Employer's Responsibilities before Selective HR's EPP	Employer's Responsibilities after Selective HR's EPP
Supervision	Pay negotiation Warning notices Management reports HR compliance Departmental costs Employee handbook	Pay negotiation Warning notices
Payroll	Report hours Write checks Compute pay Compute W/H Deductions Reconcile accounts Compute - (Social 941 COBRA Security & Medicare) Track - (vacation, Penalties Section 125 administration sick pay, benefit eligibility, 401(k) administration probationary period, anniversary dates) Management reports Employee verification Garnishment Child support payments	Report hours
Employer Taxes	State unemployment Federal unemployment Federal withholding FICA Quarterly payments 940 941 W-2s Penalties	None
Hiring and Firing	Interviewing Employment applications Assignment/termination Review & process employment applications W-4s I-9 verification Discharge notices Wage & Hour compliance	Interviewing Employment applications Assignment/termination
Insurance	Workers' compensation Group health insurance Life, dental, vision, disability Negotiate rates Inquiries Claims COBRA Pay premiums Section 125 administration 401(k) administration	None