Many business risks can't be insured—especially HR problems. Learn how PEO support from ChampionPEO helps cannabis businesses and other fast-growing companies avoid legal trouble, reduce claims, and scale faster.

The Hidden Business Risk You Can’t Insure—But You Can Prevent with Better HR

How Partnering with a PEO Like ChampionPEO Helps Growing Companies Avoid Expensive Claims

When most business owners think about risk, they picture fires, floods, theft—or that one intern who almost wiped the entire shared drive. But at Spire Insurance Solutions, we’ve learned that the most expensive risks often don’t come from disasters. They come from HR problems.

Inconsistent policies, poor documentation, toxic culture, or payroll mistakes? These don’t just cause headaches—they cause claims.

And here’s the kicker: many of these HR-related risks can’t be covered by insurance. But they can be prevented.

That’s why we’ve partnered with ChampionPEO—a professional employer organization that helps companies streamline HR, payroll, compliance, and benefits—so our clients can reduce risk before it becomes a liability.


HR: The Invisible Risk That Leads to Real Claims | HR Isn’t Just Admin—It’s Preventive Risk Management

According to the EEOC, U.S. businesses paid over $350 million in workplace discrimination settlements in 2023 alone. That’s just one type of HR-related risk.

Here are a few others—and how they tie back to costly claims:

  • Workers’ Compensation
    Undertrained supervisors + unclear safety protocols = injuries (and payouts).
  • Employment Practices Liability (EPLI)
    No handbook + inconsistent discipline = wrongful termination lawsuits.
  • General Liability
    Disgruntled employees mishandling customer service = reputational damage.

The truth? HR mistakes are expensive. But they’re also preventable with the right support.


What ChampionPEO Brings to the Table | Real-World Examples from Michigan Cannabis Companies

We partner with ChampionPEO because they specialize in doing the back-office heavy lifting that many fast-growing companies can’t keep up with—especially in highly regulated industries like cannabis.

Here’s how they’ve helped two growing cannabis businesses in Michigan:

📍Case Study: Cloud Cannabis Co.

When Cloud Cannabis partnered with ChampionPEO, they were a single-location dispensary. Today, they operate seven locations across Michigan.

ChampionPEO provided:

  • HR support
  • Payroll processing
  • Benefits administration
  • Compliance systems

The result? More growth, less chaos. “We started small like most cannabis organizations, but what we had that others didn’t was the ability to focus on growth rather than the monumental, non-revenue-producing back-office tasks that halt efficiency.”

📍Case Study: Vertically Integrated Cannabis Company

Another client—a vertically integrated cannabis operator—used ChampionPEO to scale from 1 to 5 locations and add 30+ employees in two years.

“We’ve been able to streamline operations by utilizing services that go beyond payroll. ChampionPEO understands the nuances of our industry that others do not.”

Ready to Reduce Risk and Scale with Confidence? Let’s talk about how proactive HR support + insurance strategy can help your business grow faster and safer.

📅 Book a no-pressure consult with our team and ChampionPEO. We’ll help you:

  • Identify hidden HR risks
  • Strengthen compliance and documentation
  • Build a long-term risk prevention strategy