Workers Compensation

Pay As You Go Insurance

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The Cash Friendly Coverage
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Pay As You Go Workers Compensation

Pay As You Go Workers Comp eliminates big premium deposits, reduces your audit risk, and improves business cash flow.

Pay As You Go Workers Compensation Insurance

How Pay As You Go Workers Comp Helps Your Business?

More than ever, employers need real solutions to help them reduce the cost of insurance coverage and improve business cash flow.  Pay As You Go workers compensation enables businesses to buy workers comp with little or no money down. Our exclusive PayGo programs also help protect employers from large audit bills because premium is based on real-time payroll wages and reporting. We're the national leader in Pay As You Go workers comp coverage with more carriers than any other agency.

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Do I Qualify for Pay As You Go Workers Comp Workers Compensation Icon.

Most businesses qualify for Pay As You Go coverage with one or more of our insurance companies. Typically, businesses with atleast two employees and an annual premium greater than $750.00 are eligible for our Pay As You Go workers compensation programs. As the national leader in Pay As You Go work comp, we're appointed with over 35 insurance carriers. Currently, 15 of our workers comp insurance companies offer Pay As You Go payment options.

We've recently developed several new and 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 hundreds of payroll service bureaus across the country. We've been the national leader in Pay As You Go workers compensation since 2005.

Top 5 Reasons To Pay As You Go with Us


$0 dollar down payments for many of our PayGo programs


Lower chance of owing additional premium after annual audit


Improve business cash flow by paying premium in real-time


Quotes from up to 15 insurance carriers offering PayGo coverage


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 Pay As You Go workers compensation insurance without having to outsourcing your payroll to us or anyone else. We help make sure your employees are correctly classified under the right codes and provide you with "Net Billing Rates" for each class code applicable to your business. Your Net Billing Rates combine all policy credits and debits into the "actual" rate per class code.

At the end of each pay period, PayGo 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 worksheet provided by us. We will electronically debit the premium due based on the Net Bill Rates and remit payment to your insurance company.

Our accounting staff reconciles all of 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

Hartford offers Pay As You Go workers compensation insurance with their Pay by Pay Plan- XactPay


Payroll and Pay As You Go Workers Comp

A lot of employers prefer to combine Pay As You Go workers compensation insurance payroll and tax administration services. That's why we partner with payroll service companies across the county. We offer easy and affordable Pay As You Go workers comp programs designed to integrate with most payroll service companies for the ultimate ease and convenience.

If your tired of handling your own company payroll, or you simply want to see if we can save you money and workers comp and payroll, ask one of our Specialists about our integrated solutions for payroll and work comp.

PayGo and Pay by Pay workmans comp

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 a PayGo quote online and we'll shop your rates with our Pay As You Go partners and our other markets to make sure you get the very best price.

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 thousands of employers, payroll companies, and licensed insurance agents around the U.S. In many cases, we can integrate our Pay As You Go services with your current payroll provider as long as they are willing to track and remit your premium to us.

The fast and easy way to purchase workmans comp insurance

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

Pay As You Go workers comp insurance is still relatively new to many insurance companies. Just a few years ago, business owners could only buy workers compensation coverage the old fashion way. Employers would have to estimated their annual payroll and then pay 25% down for their workers comp deposit. This was typically followed by 3 - 6 monthly installments to the insurance company.

When you consider the negative affect of this 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.

If you're a smaller employer with inexpensive classification codes such as clerical, office, or a small retail businesses, your cash flow may not suffer because your premiums never exceed a thousand dollars or so. But when it comes to $5,000, $10,000, $20,000, and greater premiums, putting 25% down and paying the entire balance over the next 4-6 months can reek havoc on your cash flow.

Workers Compensation was started in 2005 after developing software to manage Pay As You Go insurance. We were one of the original program administrators for Pay As You Go workers comp for several insurance companies. We understand the benefits of reducing down payments and helping employers improve cash flow for customers.

We've been the market leader in writing Pay As You Go workers compensation since we started and we continue to work with insurance companies to develop new models and to improve our PayGo processes. Pay As You Go is simply a better way to purchase workers compensation insurance.

-Walt Capell

Workers Compensation agency owner- Business speaker and advocate of Pay As You Go Workers Compensation.

Get a Pay As You Go Workers' Compensation Insurance Quote.

Workers Compensation Experts Get Pay As You Go Workers Compensation

If you think Pay As You Go workmans comp insurance sounds like a good idea for your business, then you've found the right agency to shop your coverage. Workers Compensation Shop is the national leader in PayGo insurance programs.

Give our Workman's Comp Specialists a call today at 888-611-7467 to see if your business will benefit from purchasing Pay As You Go workers comp. Or get a quote online.

National Agency Number: 8847381
National Producer Number: 5064979

Contact a Work Comp Specialist