Compliance + insurance in one
ComplianceShield bundles two complementary products: software that automates "reasonable steps" documentation (so you can qualify for 15–30% penalty caps under 2024 PAGA reforms) and PAGA Guard Insurance that covers the gap EPLI leaves behind.
ComplianceShield Software
The platform monitors the five primary PAGA violation categories via integrations with your existing payroll, scheduling, and HR systems. An immutable, timestamped audit trail documents every compliance action — critical evidence of "reasonable steps" to reduce penalties by up to 85%.
Timekeeping & overtime
API sync with ADP, Gusto, Rippling, QuickBooks, Paychex. Flags rounding errors, missed clock-outs, and OT calculation anomalies.
Meal & rest breaks
Shift-based rules engine cross-checks clock data against CA break requirements. Alerts managers in real time on missed or late breaks.
Wage statement accuracy
Auto-validates all 9 required fields (Labor Code §226) on every pay run. PDF audit trail retained for 4 years.
Expense reimbursements
Expense report workflow enforces timely reimbursement of mileage, phone, and tools. Flags overdue submissions.
Policy distribution & training
Digital policy acknowledgment tracking. Supervisor micro-training modules with completion certificates tied to compliance score.
PAGA Guard Insurance
A specialty E&S product designed as a complement to (not substitute for) standard EPLI. Unlike EPLI, which typically excludes wage & hour and PAGA liability, PAGA Guard is purpose-built for this risk.
- •Coverage: Defense costs + indemnity for PAGA claims, wage & hour class actions, and related Labor Code representative actions.
- •Trigger: Claims-made; receipt of a PAGA notice constitutes a claim trigger.
- •Pricing: Base rate per employee with 15–30% premium credit for active ComplianceShield subscribers maintaining a minimum compliance score.
- •Capacity: Placed through Lloyd's or similar E&S capacity; real-time compliance data from the software feeds underwriter loss modeling and renewal pricing.
Why ComplianceShield
- 1First bundled PAGA software + insurance — no direct competitor combines both.
- 2Compliance data loop: software generates the audit trail that reduces both lawsuit risk and insurance premiums.
- 32024 PAGA reforms explicitly reward "reasonable steps" — the software directly generates this legal defense.
- 4Small employer cure pathway: for businesses under 100 employees, the platform prepares the LWDA cure proposal automatically upon receipt of a PAGA notice.
Built for high-risk industries
Small businesses in trades (plumbing, HVAC, construction), hospitality, retail, and home services are primary targets for plaintiff attorneys precisely because they lack in-house compliance and documentation. ComplianceShield is built for them.
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