Human Resources is at the heart of proper risk management. Businesses are made up of people. Those people interact with customers (people) or other businesses (again, constituted of people). So the effective management of people is vital to managing an organizations risk. Through our partnership with various payroll partners, we are able to offer comprehensive HR and payroll services at a very affordable price. In fact, as a client of Magnolia insurance Group, you will likely receive a discount off their regular pricing.