PAYGO Billing Process

Pay As You Go automates the calculations and payments for your workers' comp insurance by connecting your policy to your payroll service.  
 


Since the cost of workers’ comp is based on how much you run in payroll, it's more accurate than traditional billing methods, which are based on an estimate of your annual payroll instead of your real wages.  
 


What happens if there’s an interruption in my payroll?

If we don’t receive payroll data for your company for over a month, you might see  an estimated premium charge to help avoid unintentional cancellation of your policy. Estimated premium helps ensure your coverage remains active if there are communication issues with your payroll provider.

How are monthly estimated premiums applied?

Calculation:
Estimated monthly premium is calculated as your annual premium divided by 12. You can view your estimated annual premium amount by logging into your customer dashboard.

Your estimated annual premium is based on the estimated annual payroll figures you provided and the type of work your employees do.

Refunds:
If you are charged an estimated premium, it will be refunded if you submit a payroll file for that period. The refund will be issued and replaced with a payroll-based premium charge.

Annual Premium:
Estimated premium charges will not impact your total annual premium. Your policy will still be subject to an audit at the end of your policy term. Your audit will still be based on your payroll actuals or policy minimum premium.

What if my business is seasonal? 
If your business operates seasonally, you will not be charged an estimated premium during the months marked as seasonal in your customer dashboard.