Workers Compensation

We also provide workers-compensation insurance services and pay-go workers compensation. We have a resource list of many good payroll companies who can coordinate pay-as-you go workers compensation reporting. We can also work with your current payroll company.

Our clients who need certs like the Instant Online Certs product that we have. Take a look at how it works, here

Are you already familiar with Workers Compensation Pay As You Go programs? If so, then here is some brief info. For those new to Pay As You Go, please see the info a little bit down this page.

How are we different?

Your typical broker only sees the sales side. They take your payroll report, and then prepare a quote. Between the payroll report and the application, many factors may be overlooked that can lead to you paying higher rates.

We work with your preferred payroll company to do the best job we can to uncover incorrect classifications and see that your premium is properly deducted each time.

Some things we have found, that traditional brokers miss:

• Officers being charged workers comp
• Clerical or low rate employees being charged with higher rate groups
• Refund potential being missed at audits

How can we do this?
We just are more into the details. Our close relationship with payroll has provided us a clearer insight to the small details. Our coordination is done with your preferred payroll company. We communicate to provide accuracy.

• Typically, a broker doesn’t provide you help with audits
• We work with your payroll company to share info for audits
• Our background was payroll, so we know the start to finish facts that can help you get the most correct info for your audit
• After all, a successful audit is one where you minimize any money owed and possibly even find ways to save money

What is Payroll Coordinated, Pay As You Go?

Here is the old way

• Your broker, with your input, estimates your annual payroll wages
• The insurance company sets a premium for the year
• You pay a percentage down, typically 10% to 20%
• You pay the rest on fixed monthly instalments
• There are some variations, where you pay a deposit, then fill out a report every month and pay based on the report

Here is the new way
And, our way adds an extra level of accuracy

• As your broker, we estimate your annual payroll wages with you
• No down payment
• We coordinate the per payroll reporting with your preferred payroll company
• You don’t need to upload wages to an insurance website or write a check
• At audit time, your premium will be closer to actual than the “old” way
• Your cash flow more closely matches your profit and loss financial statement, as the premium is based on actual wages

We can often take over as your pay-go broker mid-term, ask us how.
Get in contact now, and see when you can start our Pay As You Go Program