Pay-As-You-Go Workers' Comp
Traditional workers' comp programs collect estimated annual premiums upfront, then perform a year-end audit that often results in a large, unexpected additional payment. Pay-as-you-go programs eliminate this problem by calculating premiums on actual payroll data each pay period.
Premiums calculated each pay period from actual gross wages and worker classification codes. No estimation errors, no audit surprises.
We verify and maintain correct NCCI class codes for each employee type. Incorrect class codes can result in premium overcharges of 20–40%.
No large upfront deposit required. Pay only for actual payroll each period, freeing up capital for operations rather than insurance reserves.
Complete payroll-by-class records maintained and available for insurer audits. Our documentation has a 100% clean audit pass rate.
Reduce Your Workers' Comp Costs
Let us review your current workers' comp program and identify whether a pay-as-you-go structure would reduce your premium costs and eliminate audit risk.