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Workers Compensation Insurance

The Insurance Shop offers workers compensation insurance the way you want.  Choose from direct bill traditional policies or improve business cash flow with our Pay As You Go Work Comp programs.  With over 20 insurance companies to choose from, we're confident we can find the best workers compensation insurance rates for your business.


What is Pay As You Go Workers Compensation Insurance?

Traditionally work comp has been purchased based on an employers estimated annual payroll for each employee job classification, or class code.  The insurance company typically requires the employer to make a 25% premium deposit and then pay the remaining balance over the first three to nine months of the policy.


The two major down sides to this billing method is that 1) estimated payroll often changes in the real world and 2) billing all of the premium in the first half of the policy is a cash drain.  The problem gets even worse when employers under estimate payroll with a direct bill policy.  Aside from paying another 25% deposit at policy renewal, employers who underestimate will receive an additional audit bill to sure up the estimated payroll on the policy that just ended.


Many insurance companies still offer direct bill insurance and most agencies only offer direct bill quotes because they are not equipped to manage the reporting process for Pay As You Go Work Comp.  These policies are still relevant to small business owners with low premium class codes and consistent payroll because the premium is affordable.  However, employers who have a premium of $1,500 or more will likely benefit by utilizing PayGo coverage.


Pay As You Go workers compensation requires little to no premium deposit to get started.  Additionally, payroll is reported and premium is collected on a per pay period or monthly basis which greatly improves business cash flow and reduces employers' exposure to having large audit balances due at the end of the policy.


The Insurance Shop is one of the leaders in the Pay As You Go insurance movement.  We think it just makes sense to help American employers find affordable, cash friendly workers compensation insurance. 


We provide access to direct Pay As You Go insurance and also work with hundreds of payroll providers and insurance agents around the country.


Contact us today to learn more about our Pay As You Go work comp programs.  Learn more about Pay As You Go Insurance.


Find more information about Pay As You Go Workers Compensation.

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