California Employer Risk Specialists

Insurance & PEO
Strategies Built
for Real Employers.

We help California employers control workers' comp, healthcare, HR, and compliance costs by choosing the right structure, not just buying another policy.

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400+
PEO Clients
Managed
7+
Specialized
Service Areas
CA.
California
Only Specialists
Jon Alternative Options Insurance Agency
Why Jon Is Different
Former divisional leader at one of the nation's largest PEOs 400+ clients managed across workers' comp, healthcare & HR
CA License #6017795
Trusted By CA Employers For
Workers' Compensation
PEO Strategy & Exit
Trucking Insurance
HR & Compliance
Risk Management
Employer Healthcare
Why Costs Keep Rising

Insurance Costs Don't
Rise By Accident.

They rise because of claims, compliance breakdowns, poor structure, and decisions that were never clearly explained.

Most employers are sold products without understanding how workers' comp, healthcare, HR, safety, and PEO structures actually work together. The result is higher costs, limited options, and constant renewal pressure.

Our role is to step back, identify what's really driving your cost and risk, and design a structure that actually makes sense now and long term.

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01 Workers' Comp
Your Experience Mod Is Driving Costs Up
Claims history, mod issues, and classification errors drive costs higher every year without anyone explaining why or how to change it.
02 HR & Compliance
California Compliance Problems Don't Stay Small
Loose HR and payroll processes quietly turn into PAGA actions and wage & hour violations before employers realize there's a problem.
03 Broker Blind Spots
Your Broker Isn't Explaining the Real Drivers
Most brokers never explain which cost drivers matter most for your specific operation, or how they affect your pricing differently by carrier.
04 The Re-Shop Trap
Shopping Carriers Without Fixing Structure Never Works
Re-shopping carriers without addressing the underlying structure produces short term savings followed by steep increases. Every single year.
Our Approach

Strategy Before
Products.

"This is not a quoting service. It's a strategic review of how risk is actually being managed before we ever recommend a product."
01

Evaluate Structure First

We evaluate insurance, PEO, and alternative risk structures, not just which carrier to use. The right structure changes outcomes more than the right carrier does.

02

Explain Before Recommending

We explain exactly why your pricing looks the way it does before recommending any changes. No guesswork, no surprises, no decisions you don't fully understand.

03

Align All Moving Parts

We align insurance decisions with your safety program, HR reality, and compliance obligations. These aren't separate problems. They drive each other directly.

04

Build for Stability

We focus on long term cost stability, not one-year wins. Employers who re-shop every year without fixing the underlying structure end up in the same place.

How We Help

Services Organized Around
Real Problems.

Every service we offer connects to a real cost driver, compliance exposure, or structural decision that affects your business. Not products. Not packages. Problems and solutions.

Insurance & Cost Management
Workers Compensation Insurance California

Workers' Compensation Insurance

Strategic market placement, experience mod analysis, claims management, and long term cost control for California employers.

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Trucking Insurance California

Trucking Insurance

Elite programs and specialty market solutions for motor carriers, fleets, and owner-operators operating in California.

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Employer Healthcare Benefits California

Employer Healthcare & Benefits

Break out of the renewal-increase cycle with real structural alternatives not just another carrier with a different price.

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PEO, HR & Compliance Structure
PEO Solutions California

PEO & Co-Employment Solutions

Evaluate, structure, and manage PEO relationships based on total business impact not just the headline pricing number.

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HR Payroll Compliance California

HR, Payroll & Compliance Support

California HR and payroll problems don't stay small. PEO services stabilize operations before exposures compound into liability.

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PEO Exit Transition Services California

PEO Exit & Transition Services

Exiting a PEO isn't always the right answer. We help employers evaluate PEO fit, restructure, or transition out cleanly and strategically.

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Risk, Safety & Loss Control
Risk Management Safety OSHA California

Risk Management, Safety & OSHA Compliance

Reduce claims frequency, improve your experience mod, and manage Cal/OSHA regulatory exposure before it becomes a cost driver.

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Not Sure Where to Start?

The first step is always a conversation. We identify what's actually driving your cost, risk, or compliance exposure and which structure makes the most sense for your specific situation. No forms, no quoting engines, no pressure.

Talk to Jon Directly →
Jon Alternative Options Insurance Agency
About Jon

Built by Someone
Who's Been on Both Sides.

Most insurance brokers have never managed the operations they're advising on. Jon has.

As a former divisional leader at one of the nation's largest Professional Employer Organizations, Jon managed over 400 clients across workers' comp, healthcare, HR, and compliance. He's seen what works, what breaks, and what brokers typically miss when they're focused on the transaction instead of the outcome.

That background is what Alternative Options was built on, not just market access, but the operational understanding of how these decisions actually play out inside a real business.

400+
PEO Clients
Managed
CA
California
Specialists Only
7+
Specialized
Service Areas
Talk to Jon Directly →
What Employers Say

Real Results for
Real California Businesses.

Get Your Strategic Review →

"Jon took the time to actually understand our situation before recommending anything. The difference in approach was immediately obvious. This wasn't about selling us a policy. It was about solving a real problem."

Will L.
Business Owner, California

"We'd been through multiple brokers and nobody could explain why our workers' comp kept going up. Jon identified the real issue within the first conversation and had a concrete plan within a week."

Jacko O.
Owner, Southside BBQ

"The PEO transition was something we'd been avoiding because it seemed complicated and risky. Jon made it straightforward. We ended up in a significantly better structure than we were in before."

Camran A.
Owner, CPM Concrete

"As a logistics company our workers' comp exposure is complex. Jon understood the trucking market in a way our previous broker clearly didn't. The results spoke for themselves from day one."

Daniel R.
Owner, Apex Logistics
Get Started

Ready to Find Out
What's Actually Possible?

The first step is always a direct conversation. No online forms, no quoting engines, no automated follow-up sequences. Just an honest discussion about what's driving your costs and what structure actually makes sense.

Talk to an Insurance Strategist →
Reach Jon Directly

Alternative Options
Insurance Agency

California employers only. Strategy before products. Structure before coverage.

📞
(530) 518-8096
✉️
jon@alternativeoptions.insure
🏛️
CA License #6017795