Quote Pay-As-You-Go Workers' Compensation

Services

Workers' Compensation Insurance

PayGo Insurance Services provides pay-as-you-go workers’ compensation insurance that allows businesses to calculate premiums based on actual payroll data rather than estimates. This approach helps reduce upfront costs, improves cash flow management, and ensures workers’ compensation payments remain accurate throughout the policy period. By syncing insurance premiums with payroll cycles, businesses can minimize audit adjustments and
maintain consistent workers’ compensation coverage as payroll changes.

Five Pay-As-You-Go Options Available

Pay-As-You-Go
WITHOUT Payroll Service

Client holds their own named insured workers’ compensation policy. Pay-as-you-go billing is based on actual payroll, providing cash flow flexibility. No payroll service is included; clients manage payroll independently. Clients utilize a reporting form for premium payment and calculation.

Pay-As-You-Go
WITH Payroll Service

Client holds their own named insured workers’ compensation policy. Integrated payroll service ensures accurate and timely reporting, with
Pay-as-you-go billing based on real-time payroll data. The client or payroll service can utilize a reporting form for premium payment and calculation.

PEO Model
Co-Employment with
Master Policy

Client is part of a large master workers’ compensation policy under a co-employment agreement. Benefits include reduced pricing, comprehensive risk management, and payroll services, with simplified billing based on actual payroll data. The PEO handles the premium payment and calculation.

Features and Benefits of PayGo Insurance Services

No Large Upfront Deposits

PayGo Insurance Services eliminates the need for substantial initial payments.

Simplified Audits

Regular premium payments based on real payroll data mean fewer adjustments and surprises during audits.

Accurate Premium Calculation

Premiums are based on actual payroll, reducing the risk of overpayment or underpayment.

Flexible Payment Options

Align insurance payments with your payroll cycle for seamless financial management.

Real-Time Adjustments

Premiums adjust automatically with payroll changes, ensuring you only pay for what you use.

Full Employment Outsourcing
The EOR becomes the legal employer of record for tax and compliance purposes, handling payroll, workers’ compensation, and HR administration. The client maintains day-to-day supervision of employees. Provides a turnkey solution for businesses seeking to outsource employment responsibilities without co-employment. The EOR handles the premium payment and calculation. Learn More

Alternative Employer Organization
Designed for Ohio employers participating in the Ohio BWC system. The client maintains their own policy and independence while gaining access to group rating, potential premium savings, and structured risk management support. Payroll can be handled separately or integrated for streamlined reporting and administration. The AEO handles the premium payment and calculation.
View Details.

Employer Of Record
(EOR) Model

AEO Model (Ohio Only)

Industries

Construction

Transportation

Manufacturing

Waste/Recycling

Our Carriers

We partner with leading insurance carriers to provide the best PayGo Insurance Services

About the Founder

Eric Stein

Eric Stein, founder of PayGo Insurance Services, is a seasoned insurance professional with extensive experience in the industry. He is the host of the Insurance Shoptalk Podcast and the author of the new book on Amazon, "The Blueprint: An Insurance Agency's Unconventional Rise to the Top." Eric's expertise and innovative approach have positioned PayGo Insurance Services as a trusted partner for commercial insurance agents.

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About Us

With a combined 25 years of experience in the insurance industry,

PayGo Insurance Services is a leader in Pay As You Go insurance programs.

We specialize in providing tailored workers' compensation insurance solutions.

PayGo
Insurance Services

"Working with PayGo Insurance Services has been a game-changer for our business. Their expertise and flexible payment options have made insurance administration much easier."

Sarah M., Transportation Company Manager

★★★★★

★★★★★

"PayGo Insurance Services has revolutionized the way we manage our insurance payments. The pay-as-you-go model has improved our cash flow and simplified our audits."

John D., Construction Company Owner

Client Reviews