CrossRoads Network

the point where payroll companies

and independent agents converge to provide positive business

solutions.

POWERED BY EMPLOYERS’ RISK MANAGEMENT ASSOCIATION

Payroll Provider

Insurance Agent

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WHAT WE DO

Empower new growth of the bottom line in your business:

The crossroads concept is unique. With over 100 years of combined experience, we offer a comprehensive range of risk management services and integrated “cash flow” payment solutions for both workers comp and contractor general liability.

The concept is simple. The investment on our part is not. We are seeking payroll partners that understand the difference between income and wealth. Will Crossroads increase your income? Yes. Will it increase your wealth? We are betting OUR money that it will!

Independant insurance agents have clients asking about payroll company referrals.
Independant payroll providers have clients asking about insurance agent referrals.

CROSSROADS is a place where prospective clients are waiting for you to reach out with business solutions.

increase your revenue by becoming a Crossroads team member, click here.

Crossroads, powered by the Employers' Risk Management Association (ERMA), collaborates with insurance carriers to create distinctive programs available EXCLUSIVELY through ERMA. These policies are marketed and managed by our agent network. These agents additionally aim to provide their clients with superior payroll options, initiating a reciprocal referral relationship.

CROSSROADS also leverages ERMA's white-label association to provide a-la-carte services to your customers, thus enabling more opportunities to expand your services with zero upfront costs. In fact, many of the expanded services pay YOU!

Crossroads’ internal processing partners allow your clients “paygo” access to nearly ONE HUNDRED workers’ compensation carriers
Paygo General Liability for contractors
National major medical plan for groups of 2 or more, and a group of ONE for certain industries.
401(k) access for all members.
HR lite to a complete legal advice program
OSHA certification, CIRS designation
A comprehensive, end-to-end business solution for DOT requirements.
State regulatory compliance programs
Many more programs are included to give your clients access to EVERY TOOL NECESSARY TO SUCCEED IN BUSINESS

Crossroads provides our payroll partners with high-quality sales leads, accelerating their sales process. These new client accounts then become valuable assets that strengthen your company's equity. WHEN IS THE LAST TIME YOU RECEIVED BUSINESS FROM YOUR INSURNACE PROVIDER?

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WHY CROSSROADS FOR THE PEO & MGA?

Collaborating with Crossroads through ERMA offers carriers, PEO’s and MGA’s the unique opportunity to develop tailored programs, leveraging the vast industry expertise of ERMA’s foundation and its steadfast commitment to minimizing risk.

Join us for an engaging, enjoyable, and rewarding partnership that benefits both our esteemed partners and valued members.

What distinguishes Crossroads?

Firstly, flexibility.

Agents partnering with Crossroads are not required to write exclusively with Crossroads markets—a groundbreaking industry move! Unlike other online marketplaces that mandate writing policies with certain carriers or under a General Agent’s contract, our partners have the choice to utilize special programs offered by our parent company, Employers’ Risk Management Association (ERMA), or to write policies under their own contracts. Our foremost priority is ensuring our customers obtain the policy that most suitably meets their needs.

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