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Pay As You Go Workers Compensation

Pay As You Go coverage eliminates premium deposits, reduces audit exposure, and improves cash flow.

Pay As You Go workers compensation

What is Pay As You Go Workers Compensation?

More than ever, employers need solutions to help reduce the cost of insurance coverage and improve cash flow.  Pay As You Go workers compensation allows employers to buy workers comp with little or no money down and also helps protect them from audits exposure because premium is based on real-time payroll wages.

Questions? Call 888.611.7467 for a Workers Compensation Shop Specialist

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Do I Qualify for Pay As You Go Coverage?

Most employers and business owners with an annual premium greater than $1,000 will qualify for one or more of our Pay As You Go workers compensation programs.  We are currently appointed with over 15 workers comp insurance companies offering Pay As You Go coverage. 

We have developed several proprietary Pay As You Go workers comp insurance programs that are only available through our agency, including our own Captive program and other carrier programs.  We've have been the national leader in Pay As You Go workers compensation since 2005.

Direct Pay As You Go Workers Compensation

Our Direct Pay As You Go program provides all the advantages of Pay As You Go workers compensation insurance without having to outsourcing your payroll.  We help employers assign the correct class codes for coverage and provide them with "net billing rates" for each class code applicable to their business.  Net billing rates factor all policy credits and debits into the actual rate per class code. 

At the end of each pay period, Customers can either log in and submit their payroll to the carrier, email us a payroll summary report from their software, or complete a simple Excel worksheet provided by us.  We will ACH premium due based on the "net bill rates" and remit payment to the proper insurance company. 

Our accounting staff reconciles direct Pay As You Go reports and transfers workers compensation premium each month, based on actual payroll data. No premium deposit required. Better cash flow. And no large audit bills.

This month's featured program: Hartford Pay As You Go:

XactPay

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Payroll Service Plus Pay As You Go Coverage

Many employers prefer to combine their Pay As You Go workers compensation service with our payroll and tax administration service.  That's why we've developed PaySmart, our national payroll service company.  We offer state of the art payroll and tax administration, including online payroll, and Pay As You Go workers comp solutions for almost every type of industry.

Compare our payroll service prices to other providers with our instant payroll quote generator.

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Pay As You Go for Payroll Providers

Payroll Bureaus are always looking for ways to improve their services and make life easy for customers.  That's why we offer our back-office Pay As You Go program exclusively for Payroll companies.  Our agency works with small to medium payroll service bureaus to provide cash friendly workers compensation solutions for your customers.

Contact one of our Specialists today to learn more about our Pay As You Go workers comp products and services.

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How Do I Get Pay As You Go Workers Comp?

Contact one of our Specialists at (888) 611-7467 to see if your business qualifies for Pay As You Go workers comp, or start a quote online and we'll show you all the payment plans your business qualifies for.

We offer several Pay As You Go workers compensation solutions including Direct Pay As You Go and Pay As You Go combined with our private payroll and tax administration service.   

Workers Compensation Shop works with hundreds of private payroll companies and licensed insurance agents.  In many cases, we can integrate our Pay As You Go services with your current payroll provider depending on their willingness to set up our premium deduction codes.  Workers Compensation Shop.com works with agents, brokers, and payroll bureaus throughout the United States.


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Agents and Payroll Service Companies

Want to learn more about our products and services for licensed agents and payroll service companies?  We are one of the largest back-office Pay As You Go workers compensation providers in the United States.

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Why pay now, when you can Pay As You Go!

Pay As You Go workers comp insurance is still a pretty new concept.  A few years back, business owners only had the option to buy workers compensation coverage the old fashion way.  They estimated their payroll and put 25% down for deposit, followed by 3 - 6 monthly installments to the insurance company.

When you consider the negative affect on cash flow, its a pretty dumb way to buy workers compensation insurance for many employers.  The problem with putting so much money down and paying your policy over the first few months of the year is that it creates a negative effect on operating cash.  Since most employers earn revenue throughout the year, it makes more sense to pay insurance premium spread over the course of the entire year.

If you're a small employer with less expensive classification codes such as clerical, office, and small retail businesses, your cash flow may not be as important because your premiums never exceed one or two thousand dollars.  But when it comes to larger $5,000, $10,000, $20,000, and greater premiums, putting 25% down and paying the entire bill over the next 6 months can reek havoc on cash flow.

Workers Compensation Shop.com was started back in 2005.  We were one of the original program administrators for Pay As You Go workers comp for several insurance companies.  We thought the concept of reducing down payments and helping employers improve cash flow seemed like a pretty good idea.

We've been the market leader in writing Pay As You Go workers compensation every since and continue to work with insurance companies to develop new models and to improve our processes.  The timing couldn't have been better.  Pay As You Go is simply a better way to buy workers compensation insurance.

-Walt Capell

Workers Compensation Shop.com agency owner- frequent speaker and advocate of Pay As You Go Workers Compensation.

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