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Employers don't have to outsource payroll or change providers with our Direct PayGo solutions.

This programs allows employers to provide their own payroll reports to us each pay period.  Simply send us a work comp report by class code or use our software and we will invoice and debit your account for earned premium. 

We offer Direct Pay As You Go insurance programs for employers and business owners.

Direct Pay as You Go (or Direct PayGo) is a proprietary program developed in conjunction with some our insurance carriers to maximize insured's cash flow, flexibility, and efficiency of reporting payroll data without outsourcing payroll.  Our Direct Pay As You Go work comp programs can work in conjunction with your current in house payroll processing, your internal payroll software reports, or a simple monthly reporting spreadsheet provided to your business by us.

Example of our Direct PayGo Program:

• Work Comp Quote is issued along with a net billing rate percentage per class code.

• Insured processes payroll and e-mails work comp summary report each pay period.

  • Report may be sent by payroll provider or completed on our spreadsheet.

• Our sister company, PaySmart, creates and sends invoice and then direct debits client's account for premium due for each pay period.

• This process is repeated each pay period for policy year.

  • An annual audit may be performed to verify payroll and correct classification of employees.

Our Direct PayGo workmen's comp program is similar to self monthly reporting.  However, it does not require the insured to complete a complex report by hand and remember to mail it along with a check to the insurance company each month.

Our direct pay as you go program is perfect for companies with larger premiums who prefer to maintain their payroll in house while enjoying improved cash flow via real-time premium reporting and payment.

Workers Compensation Programs

• Direct Bill

  • The industry standard.  15% to 25% down with 3 to 9 installments.

• 12 Equal Installments

  • Available with some of our carriers to help improve cash flow and reduce upfront premium due.

• Self Monthly Reporting

  • An improved version of 12 equal installments that helps protect against additional audit premium.

• Direct Pay As You Go

  • A proprietary program of generating and paying premium based off of you current payroll system.

• QuickBooks Pay As You Go

  • A proprietary program where work comp is integrated into your QuickBooks software.

• Pay As You Go via your Payroll Company

  • A proprietary program whereas we report and collect premium from your current payroll company.

• Payroll/Work Comp Outsourcing

  • Our own solution for integrating payroll and workers' compensation into a single source solution.