Payroll Solutions

Pay As You Go Workers' Comp Insurance

Why is Pay As You Go the way to go?

Workers' Comp is coverage for your employees AND coverage for yourself. But it shouldn’t cost you an arm and a leg. With our Connected Payroll model, we seamlessly integrate your plan with our payroll, giving you the ability to pay as you go. 


Better Cash Flow

Replace one large payment with smaller payments every time you run payroll.

Reduced Audit Surprise

Since your premium is based on payroll wages, you don’t have to worry about random audit exposure.

Automated Payments

Automatically collect your premiums each period so you can stay focused on running your business.

Eliminated Future Down Payments

Take care of your down payments right away and avoid future costs for your business.

Secured Money-Saving Premiums

Your insurance premium is based on each payroll period – that means your premium will adjust if you add/lose employees or have a slow week during your off season.

Stronger Broker Connections

Stay connected to the right expert at the right time. If you have a broker, we’ll work with them. If you need a broker, we’ll match you with one.

How does Pay As You Go stack up against traditional Workers' Comp?

With traditional Workers' Comp, you pay a large lump sum upfront, overpay for coverage you don't need and undergo mandatory audits with large additional payments.

Pay As You Go improves steady cash flow:

  • With premiums attached directly to payroll, exact payments are calculated and sent to the carrier each pay period
  • Flexible approach ensures you only pay for what you use
  • No lump sum audit or surprise payments at the end of the year

What does Pay As You Go cost?

While costs vary state to state, your Workers’ Comp premiums are based on three main factors: 

  1. Job ClassificationWhether you’re a mechanic or a dog groomer, your job will be classified by the risk associated with your line of work. The higher the risk, the higher the costs 
  2. Total Wages Paid: The is set at a specific rate dependent on job classification 
  3. Experience Modification Rate (EMR):  Calculated based on past workers’ comp claims and dependent on industry. Higher claims mean higher expenses.  

Want to learn more about state-specific Workers’ Comp laws?

Our clients say it best:

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I’m very pleased we switched to your Connect-Comp program. Not only is my client service rep responsive, I’m saving a lot of money on workers’ comp insurance.

Ed Penta
McKinnon's Market
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Using ConnectPay has saved me time and aggravation and allowed me not to prepay my workers’ compensation and have to file for a refund.

Rich Bond
Bond & Company