Pay As You Go Workers' Comp

Pay As You Go workers' compensation eliminates big premium deposits, reduces your audit risk, and improves business cash flow.

Cashflow workers' compensation insurance with Pay As You Go Reporting.

How Pay As You Go Workers' Comp Helps Your Business?

More than ever, small businesses need real solutions to help them reduce the cost of insurance coverage and improve business cash flow. Pay As You Go workers' compensation enables business owners to carry workers comp with little or no money down. Our exclusive Pay As You Go programs also help protect employers against large audit bills because premium payments are based on real-time payroll wages and reporting. We're the national leader in Pay As You Go coverage with more insurance partners than any other agency. Compare rate from over a dozen Pay As You Go insurance companies.
Pay As You Go Insurance Questions? Call 888-611-7467 for a Workers' Compensation Specialist

Do I Qualify for Pay As You Go Workers' Compensation?

Most businesses qualify for Pay As You Go coverage with one or more of our insurance companies. Typically, businesses with at least two employees and an annual premium greater than $750.00 are eligible for one or mre of our programs. As the national leader in Pay As You Go work comp, we're appointed with over 45 insurance carriers. Currently, more than 15 of our partners offer Pay As You Go payment options.

Advantages of Pay As You Go Insurance.
Our Pay As You Go plans improve cashflow and bullet-proof your audits.

Our agency offers exclusive Pay As You Go insurance programs that make it easier and faster than ever to qualify for one of our Pay As You Go plans. We provide direct Pay As You Go options for employers and we also partner with payroll service bureaus across the country. We've been the national leader in Pay by pay workers' compensation since 2005.

Direct Pay As You Go Reporting is Easy

We send payroll data and premium directly to our insurance companies at the end of each month so the process is seamless regardless of which insurance company you work with or where you processes your payroll. We can accept any standard payroll report or you can enter the amount of payroll per class code. We can process every pay period or right after the end of each month.

Monthly self-reporting workmans comp.
Top 5 Reasons To Pay As You Go with Us
  1. $0 dollar down payments for many of our Pay by pay programs
  2. More accurate premium reduces the chances of audit balances
  3. Improve business cash flow by paying premium in real-time
  4. Compare insurance costs from more carriers offering this coverage
  5. Easy options like Direct PayGo and Payroll Plus Comp
Direct Pay As You Go Workers' Compensation

Our Direct Pay As You Go program provides all the advantages of payroll and workers' compensation insurance, without having to outsourcing your payroll or feel stuck with a processor because of your coverage. We make sure your employees are assigned the correct class codes and provide you with your "Net Billing Rates" for each class code applicable to your business. Net Billing Rates are typically different than the manual rates. Net rates combine all policy credits and debits into the "actual" rate per charged class code.

Want more information about rates?

Understanding Workers' Comp Rates

At the end of each pay period (or month,) Customers either send us a payroll summary report from their software, complete a simple pre-filled payroll worksheet, or log in and submit their payroll info directly to the carrier. Once you report, the agency will electronically debit the current premium due based on the Net Bill Rates.

Our accounting staff reconciles all direct Pay by pay reports and transfers workers' compensation premium to our insurance companies at the end of each month, based on actual payroll data. No money down workers' comp insurance. Better cash flow. No large audit bills.

This month's featured program:

The Hartford Xactpay workers compensation Insurance.

Payroll and Workers' Comp Services

Many businesses prefer to combine Pay As You Go workers' compensation with their payroll and tax administration services. That's why we partner with payroll service companies across the county. We offer easy access to the most affordable Pay As You Go workers' comp companies. Our process is easy to integrate with most payroll service companies for the ultimate ease and convenience.

If you're currently outsourcing your payroll we're happy to work with your provider to set-up Pay by pay for your business. If you want to see how much workers comp and payroll outsourcing costs, ask one of our Specialists about our integrated solutions for payroll service providers and workers' compensation.

How Do I Get Pay As You Go Workers' Comp?

Qualifying for Pay As You Go is easy. Contact one of our Workers Compensation Specialists today at 888-611-7467 to see if your business is eligible, or start your quote online and we'll shop your coverage with all of our Pay As You Go partners. We can even shop other insurance companies to make sure you get the very best price.

We offer access to our Direct Pay As You Go program and we work with payroll services providers to combine Pay As You Go with any payroll service you work with. We can integrate our program with any payroll provider willing to track payroll per class code and provide us with a monthly report. Providers can manage premium deductions or let our accounting department manage premium collection.

Workers' Compensation Shop is a national insurance agency and broker. We work with thousands of employers, payroll companies, and other licensed insurance agents around the U.S. In many cases,

Pay-As-You-Go workers compensation insurance.
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Our Top Pay As You Go Work Comp Programs
  • AmTrust PAYO

  • Markel PayGo Reporting

  • Hartford XactPay

  • Employers PrecisePay

  • Markel Pay As You Go

  • Amerisafe Self-Reporting

  • Travelers TravPay

  • Normandy PayGo

  • Liberty Mutual Your Way Pay

  • UBIC Pay As You Go

Why Pay Now, When You Can Pay As You Go?

Pay As You Go workers' comp insurance is becoming more popular with business owners because it help take the guess work out of estimating your annual payroll. Just a few years ago, a business could only get workers' compensation coverage the old fashion way. Employers would have to estimated their annual payroll and then puy 25% down as their workers' comp premium deposit. This was typically followed by monthly installments for the next 6 months. A business would have paid their entire premium during the first 7 months of coverage.


When you consider the negative affect of this old school payment method on cash flow, its easy to see that its an inefficient way to buy workers' compensation for most employers. The problem with putting 25% or more down and paying your policy over the first few months of the year is that it creates a negative effect on your operating cash. Since most employers earn revenue throughout the entire year, it makes more sense to pay insurance premiums over the course of the entire year.


The bigger the premium, the bigger the advantage of Pay As You Go insurance. Rather than guessing the annual payroll for business insurance, pay-as-you-go uses your real-time payroll calculations to bill for coverage. You make more accurate workers comp payments which reduces the chance of over-paying for coverage throughout the year.


If you're a smaller employer with inexpensive classification codes such as clerical, office, or a small retail businesses, your cashflow may not suffer because your premiums are a thousand dollars or so. But when it comes to $5,000, $10,000 and higher premiums, putting 25% down and paying the entire balance over the next 4-6 months can wreak havoc on your cash flow.


We've been the market leader in Pay As You Go workers' compensation since we started in 2005. We continue to work with insurance companies to develop new models and to improve the pay-as-you-go experience. Pay As You Go is simply a better way to manage coverage.

Pay As You Go Quotes

See if your business qualifies for better cash flow with Pay as You Go Workers' Compensation

Our Pay As You Go Programs

Direct PayGo for Business Owners

Easy Pay As You Go workers' comp for employers who process their own payroll or use a provider without PayGo. No premium requirements, easier underwriting, and fast quotes.

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Payroll Workers' Comp Program

Outsource your payroll to one of payroll partners near your or ask us to work with your current provider.

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Pay As You Go for Payroll Bureaus

Pay As You Go workers' compensation programs for payroll service. We offer the most options in the country and manage the back-office administration.

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National Broker Services

Tired of ADP and Paychex taking your business with an agent of record letter? Offer our Pay As You Go workers' comp services to your customers.

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Compare Pay As You Go Quotes Today

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Try Pay-As-You-Go Worker's Comp Insurance

No money down workers' comp insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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