<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://apintego.zendesk.com/hc/en-us</loc>
  <lastmod>2025-09-05T20:26:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/225539227-As-an-officer-of-my-business-I-pay-the-minimum-policy-Why-is-that</loc>
  <lastmod>2024-09-10T17:49:46Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/225539507-I-am-told-I-operate-my-business-in-a-monopolistic-state-what-does-that-mean</loc>
  <lastmod>2024-09-10T17:48:38Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/225684788-How-much-will-a-workers-compensation-policy-cost</loc>
  <lastmod>2024-09-10T17:50:24Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226068247-What-Is-Pay-As-You-Go</loc>
  <lastmod>2024-09-23T12:49:24Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226068347-What-are-the-benefits-of-Pay-As-You-Go</loc>
  <lastmod>2024-09-23T12:49:25Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226068587-Where-do-I-see-the-insurance-premiums-on-my-policy</loc>
  <lastmod>2025-03-11T19:48:53Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226068687-Can-I-use-Pay-As-You-Go-if-my-business-is-seasonal</loc>
  <lastmod>2024-09-23T12:49:25Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226166388-How-do-I-know-the-amount-NEXT-is-withdrawing-from-my-bank-account</loc>
  <lastmod>2024-09-23T12:49:27Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226166428-How-are-my-rates-calculated-and-where-do-I-find-them</loc>
  <lastmod>2025-03-11T18:49:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/226218768-Can-NEXT-provide-quotes-for-other-business-insurance-products</loc>
  <lastmod>2024-09-10T18:31:08Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/115001350668-I-m-switching-to-NEXT-how-do-I-cancel-my-current-policy</loc>
  <lastmod>2024-09-10T16:36:01Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039276634-How-do-I-pay-my-audit-balance</loc>
  <lastmod>2024-09-10T18:43:42Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039276674-Why-am-I-receiving-audit-questions-from-a-third-party</loc>
  <lastmod>2024-08-02T13:48:18Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039278734-What-is-a-blended-rate</loc>
  <lastmod>2024-09-23T12:49:27Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039278794-What-is-an-experience-modification-rating</loc>
  <lastmod>2024-09-10T17:58:11Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039279314-What-does-workers-comp-insurance-cover</loc>
  <lastmod>2024-09-10T18:36:29Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039279354-What-is-workers-comp-insurance</loc>
  <lastmod>2024-09-10T17:47:29Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039280194-How-do-I-add-a-state-to-my-coverage</loc>
  <lastmod>2024-09-10T18:02:24Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039280494-Why-do-I-have-to-run-payroll-every-30-days</loc>
  <lastmod>2024-09-23T12:49:25Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039281414-What-do-I-need-to-do-to-cancel-my-policy</loc>
  <lastmod>2024-09-11T20:07:55Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039764493-What-is-a-workers-comp-audit-and-why-do-I-have-one</loc>
  <lastmod>2024-08-26T13:41:33Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039764893-How-do-workers-comp-audits-work</loc>
  <lastmod>2024-08-27T13:07:43Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039764993-What-if-I-don-t-agree-with-the-results-of-my-audit</loc>
  <lastmod>2024-08-27T13:08:50Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039765093-My-policy-is-on-Pay-As-You-Go-so-why-do-I-have-an-audit</loc>
  <lastmod>2024-08-08T13:44:04Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039765193-Why-did-I-receive-an-audit-questionnaire-from-the-carrier</loc>
  <lastmod>2024-08-26T13:41:40Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039765293-What-happens-if-I-do-not-respond-to-an-audit</loc>
  <lastmod>2024-09-10T17:27:06Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039765433-Why-do-I-the-insured-have-to-send-documents-to-the-carrier-for-the-audit</loc>
  <lastmod>2024-09-10T18:44:16Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039767013-What-is-an-expense-constant</loc>
  <lastmod>2024-09-10T18:11:51Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039767153-Who-is-required-to-have-workers-compensation</loc>
  <lastmod>2024-09-10T17:56:05Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768093-How-do-I-get-those-awesome-workers-comp-posters-for-my-workplace</loc>
  <lastmod>2024-09-10T17:59:17Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768333-Why-did-I-receive-a-late-payroll-notice</loc>
  <lastmod>2024-09-23T12:49:27Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768413-How-can-I-get-a-copy-of-my-invoice</loc>
  <lastmod>2025-03-11T18:43:54Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768633-How-much-workers-comp-premium-have-I-paid-to-date</loc>
  <lastmod>2025-03-11T18:46:32Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768773-What-is-a-minimum-premium-for-workers-comp</loc>
  <lastmod>2024-09-10T17:57:37Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768813-How-do-I-change-my-payroll-frequency</loc>
  <lastmod>2025-03-11T18:44:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039768893-How-do-I-change-my-payroll-company</loc>
  <lastmod>2025-03-11T18:42:07Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039769213-Do-I-need-to-inform-NEXT-of-any-business-changes</loc>
  <lastmod>2025-03-11T18:41:19Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039769233-Why-did-my-rate-change-when-my-workers-comp-policy-renewed</loc>
  <lastmod>2024-09-10T17:17:10Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039769513-How-do-I-get-a-certificate-of-insurance</loc>
  <lastmod>2025-03-11T18:37:09Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360039769553-How-do-I-get-a-waiver-of-subrogation-for-my-certificate</loc>
  <lastmod>2025-03-11T18:38:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360040945214-What-do-I-need-to-do-to-renew-my-workers-comp-policy</loc>
  <lastmod>2024-09-10T18:04:55Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360040945254-Why-is-my-rate-different-than-what-I-was-quoted</loc>
  <lastmod>2024-09-23T12:49:25Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360041430093-What-s-an-endorsement</loc>
  <lastmod>2024-09-10T18:01:29Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360041430233-What-are-the-billing-options-for-workers-compensation-policies</loc>
  <lastmod>2024-09-10T17:48:03Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/360041430433-What-if-I-don-t-want-my-policy-to-auto-renew</loc>
  <lastmod>2024-09-11T20:08:11Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008850822-Understanding-my-billing-frequency-for-Pay-As-You-Go</loc>
  <lastmod>2025-03-11T19:26:32Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008865062-How-do-I-classify-my-employees-for-my-workers-comp-policy</loc>
  <lastmod>2025-03-11T19:20:25Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008868421-What-does-it-mean-if-my-audit-is-estimated</loc>
  <lastmod>2025-03-11T18:43:07Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008875181-How-do-I-set-up-or-change-my-bank-account-info-for-my-WC-premium-payments</loc>
  <lastmod>2025-03-11T18:40:47Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008877201-What-do-I-do-if-I-have-a-new-employee</loc>
  <lastmod>2025-03-11T19:23:03Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008877561-Do-I-have-to-remove-employees-from-my-policy-if-they-no-longer-work-for-me</loc>
  <lastmod>2025-03-11T18:41:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008879961-What-class-code-s-should-my-employees-be-under-for-my-workers-comp-policy</loc>
  <lastmod>2024-09-10T17:09:20Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008881221-Who-can-be-excluded-from-a-workers-comp-policy-in-AL</loc>
  <lastmod>2024-11-12T20:53:06Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/1500008883961-Why-is-the-premium-for-an-owner-officer-based-on-a-payroll-amount-that-s-different-from-their-reported-payroll</loc>
  <lastmod>2024-09-10T17:19:34Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/25771877080727-PAYGO-Billing-Process</loc>
  <lastmod>2025-09-05T20:26:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/26557410589719-How-do-I-pay-my-Pay-as-you-go-policy</loc>
  <lastmod>2024-09-23T12:49:24Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/26557410612631-Why-is-my-account-in-processing</loc>
  <lastmod>2024-09-23T12:49:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/26557422716055-How-do-I-pay-my-Direct-Bill-policy</loc>
  <lastmod>2024-09-23T12:49:22Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/26781670732055-Glossary-of-Insurance-Terms</loc>
  <lastmod>2024-10-02T14:38:32Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/articles/26783214396823-How-do-I-get-a-certificate-for-my-NY-State-Insurance-Fund-workers-compensation-policy</loc>
  <lastmod>2025-03-11T14:59:04Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/205672928-General-Questions</loc>
  <lastmod>2025-03-11T18:38:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/360006435193-Workers-comp-audit</loc>
  <lastmod>2025-03-11T18:43:07Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/360006488993-General-questions</loc>
  <lastmod>2025-03-11T18:41:19Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/26273133531671-Pay-as-you-go</loc>
  <lastmod>2025-09-05T20:26:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/26273135901463-Direct-Bill</loc>
  <lastmod>2024-09-23T12:49:22Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/26273189061399-General-Questions</loc>
  <lastmod>2025-03-11T18:41:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/26273837066391-General-Questions</loc>
  <lastmod>2025-03-11T19:48:53Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/sections/26277290658071-General-Questions</loc>
  <lastmod>2024-10-08T20:27:27Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/203561108-Certificates</loc>
  <lastmod>2025-03-11T18:38:23Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/360002710394-Audit</loc>
  <lastmod>2025-03-11T18:43:07Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/360002716933-Workers-comp</loc>
  <lastmod>2025-03-11T18:41:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/360002748653-Policy-Management</loc>
  <lastmod>2025-03-11T18:41:19Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/26273068252823-Billing</loc>
  <lastmod>2025-09-05T20:26:41Z</lastmod>
</url>
<url>
  <loc>https://apintego.zendesk.com/hc/en-us/categories/26277278430871-Other-Coverages</loc>
  <lastmod>2024-10-08T20:27:27Z</lastmod>
</url>
</urlset>
