About Workers' Comp Pay-As-You-Go


Pay Workers’ Compensation insurance premiums "as-you-go" - based on your actual payroll, not projected annual amounts.


Only pay what you owe, as you owe it. Traditional workers’ comp premiums are estimates of the annual payroll, paid by employers in advance with a large deposit (sometimes divided into installments) followed by a lump sum adjustment at the end of the year, after calculating the year’s actual payroll amount. With Pay-As-You-Go Workers’ Comp, you avoid underpayment or overpayment, eliminate those costly down payments, and minimize lump sum adjustments.


Brands automatically transmits relevant payroll information along with a list of employees’ eligible workers’ compensation wages to the insurance carrier for each payroll run. The carrier then emails your premium amount due and the amount is automatically deducted from your bank account.

Features and Benefits:

  • Maximize cash flow and increase working capital with premiums paid on actual payroll - no large deposits or down payments required
  • Avoid underpayment or overpayment - often as much as 10-25%
  • Know your exact cost each pay period
  • Simplified paperwork with minimal to no monthly or quarterly audit reports
  • Minimal to no year-end audit
  • Competitive insurance rates (single source access, multiple insurance companies)
  • For clients who use our GL or job costing, Workers’ Comp is added for more complete reporting
  • All the heavy lifting is taken care of by us


$5 per payroll for Workers’ Comp file upload (service fee)

$25 setup fee

The policy itself is either your current coverage, or we can give you a quote based on company details. We can help you find a carrier for the best rates available.


Add to Your Account:

To add Workers' Comp Pay-As-You-Go to your account, contact us at cs@brandspaycheck.com.


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How much is the insurance going to cost?

It’s based on your existing coverage, or the carrier and class codes of your employees. Email us at cs@brandspaycheck.com to get a quote.


How soon can I start?

After the form is completed, you can expect to receive the certificate within 24 hours.


What if I operate without Workers’ Comp insurance for a day or two?

You can be fined by NYS $1,000 per day for not having coverage.


What if I already have paygo workers' comp with another payroll provider?

We can transfer that policy with just a few signatures. There is no penalty or interruption in your coverage with the transfer. If you are unsure or want to double-check that we can transfer a policy over, please don't hesitate to reach out and we can look into it for you.


Which carriers do you work with?

We shop the marketplace to find our customers the best price with the best coverages and because we work with more than 50 insurance carriers, we hardly ever have to say no.



What makes pay-as-you-go different?

Traditional Worker's Comp

Pay-As-You-Go Worker's Comp

- 25-100% premium deposit required ✓ No premium deposit required*
- Premium based on estimated annual payroll ✓ Premium based on actual payroll instead of estimates
- Limited payment terms (e.g. monthly, quarterly, semi-annually, annually) ✓ Payments spread out over company's policy period
- Greater risk of additional premium due at year-end audit ✓ Reduced risk of over- or underpayment at year-end audit
- Need to hand write checks and send via mail, risking late payment or cancelation ✓ Eliminates writing checks and assures accurate, on-time payments

*Mandatory state assessment fees may be required in some states.

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