Preventative Wellness With Tax Savings Benefits
Save costs while improving the health and wellbeing of your employees. Learn more about the advantages of the the Alloy Wellness Initiative.
Workers' Compensation
Alloy’s workers’ compensation AEO model puts employers back in control. Unlike traditional insurance carriers, we proactively manage your claims fund directly, giving you faster resolutions, reduced premiums, and real-time oversight. With Alloy, workers’ comp becomes a strategic advantage instead of a recurring expense.
Wellness & Prevention
Alloy’s employee wellness solution goes beyond traditional benefits programs. Our strategy supports physical, mental, and financial well-being to reduce workplace injuries, improve morale, and strengthen retention. Additionally, our wellness solution provides tax savings benefits to both employees and employers.
Total Risk Shield
Total Risk Shield™ is Alloy’s proprietary risk management model that unites workers’ compensation, employee wellness, and compliance strategy into one cohesive system. Designed specifically for high-risk industries, it helps employers reduce claims, control premiums, and protect their teams with smarter, data-driven solutions.
Why Leading Employers Choose Alloy?
Alloy helps businesses turn risk into a strategic advantage. From compliance to culture, our solutions are built to reduce cost, improve employee experience, and simplify the complex parts of running a workforce.
Key benefits include:
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Measurable financial outcomes
Employers realize real savings through reduced claims costs, payroll tax efficiency, lower absenteeism, and improved EBITDA. -
Immediate premium reduction opportunities
Employers may see workers’ compensation premium reductions of up to 40% through reduced premiums, payroll reclassification, wage optimization, and risk-aligned program design. Pay-as-you-go billing that protects cash flow and avoids surprise overpayments. By improving workforce health and safety behaviors, Alloy helps reduce claim frequency, severity, and experience modifiers. -
Total Risk Shield approach
Our flagship model proactively protects people, potential, and profitability by addressing risk before it becomes loss. -
Compliance confidence across complex regulations
Alloy helps employers navigate Ohio BWC, OSHA, IRS, ACA, ERISA, DOL, and payroll-related requirements with clarity and accuracy. Deep expertise in Ohio’s BWC system, DFSP, and group retro programs -
National Workers' Compensation models tailored to multi-state employers and compliance needs
- Reduced administrative burden
Alloy administers the majority of the program on behalf of the employer, minimizing internal lift and HR disruption. - Designed for CFOs and operators
Every solution is built with financial transparency, predictability, and operational efficiency in mind. - Scalable for multi-entity and high-risk environments
Alloy supports complex organizations across construction, logistics, healthcare, manufacturing, and other risk-heavy industries. - A true strategic partner
Alloy does not just manage risk, we help employers turn risk into a competitive advantage. We only win when you win.
Delivery Service Providers
From trucking and warehouse operations to Amazon delivery service partners, Alloy manages workers' compensation risk for the people who keep America's supply chain moving.
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Healthcare & Nursing
Alloy has worksites in over 30 states with healthcare providers, from skilled nursing facilities to ambulance EMTs.
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Manufacturing
From production lines to warehouse teams, Alloy manages workers' compensation risk for the employees who drive the manufacturing industry. Learn More
Construction & Trades
Workers who build and repair infrastructure face an array of workplace safety challenges. Our risk management team can assess risk exposure and address underwriting and compliance concerns to achieve better workers' compensation outcomes.
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Commercial Cleaners
From taking care of warehouses and retail stores to hotels, corporate offices and factories, these businesses keep many of the businesses in America operational and functional.
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Significant Reduction
in workers’ compensation claims
15–25% Decrease
in overall absenteeism and improved associate retention
Immediate Tax Savings
through Section 125 plan integration
Increased Operational Predictability
fewer surprises and more control over your operations
Alloy Insights and Blog
Read the latest posts from the Alloy blog including information on the best way to optimize your workers' compensation program and save your business money.
