Workers' Compensation Insurance
Billing and Payment Options

Pay As You Go Workers Compensation

Our Direct PayGo program allows employers to access our real time pay as you go comp coverage even if they want to keep payroll in house. Clients send us a work comp report each pay period based on actual payroll per class code.

Equal Workers Comp Payment Plans

Installment programs are designed to improve cash flow by reducing the down payment to 1/12th of total and extending payment over 12 months.

Hartford XactPay | Pay As You Go Program

Our Hartford XactPay Pay As You Go program is designed specifically for direct online reporting or QuickBooks users. It can interfaces with QuickBooks payroll software and automatically forwards payroll and premium data to The Hartford. Exact Premium is automatically debited each pay period.

Direct Workers Compensation Billing (Deposit + Installments)

Traditional workers comp insurance programs are based on estimated payroll. They typically have larger premium deposits (usually 15%-25%) with monthly billing. The programs work best for smaller employers with consistent payrolls.

Self Monthly Reporting Programs

A do-it-yourself reporting program for employers who choose to calculate and remit their own premium each month. The program usually requires security deposit.

Retrospective Rating Insurance

Designed for companies with premiums in excess of $250,000 that are seeking an incredibly cost-effective opportunity to reap financial reward from good performance. The Program offers flexible risk-financing without complex captive arrangements, and allows customers to craft a solution that satisfies their own appetite for risk.

Some of our target Retro Program customers include:

Painting, Carpentry, Masonry, Excavation, Sand & Gravel, Furniture Moving/Storage, Drywall Construction, Plumbing, Landscaping, Tree Pruning, Crane Operations, Trucking, Trash Hauling, Logging, Saw Mills, Manufacturing, Property Management Companies.

Workers Compensation Captives

A program for higher premiums greater than 500k. Allows client customer to share in the risk and reward of premium to loss ratio with the fronting carrier.