Streamline your business with Pay-as-you-go, powered by InsurePay®

Stop letting your insurance premiums dictate your cash flow – start paying for what you actually use, exactly when you use it.

InsurePay® Pay-as-you-go takes the friction out of payroll reporting and lets you focus on what matters most — growing your business. By securely connecting to over 2,000 top providers like ADP, Gusto and QuickBooks, InsurePay automatically calculates your premiums based on real-time payroll data. The result? No more large, upfront payments, no more manual data entry and fewer year-end audit surprises.

What are the benefits of Pay-as-you-go?

Pay-as-you-go helps you streamline your workers’ compensation insurance, making it easier to manage payments and budgets. Some of the other benefits include:

  • No large down payments or deposits: Free up business funds by eliminating upfront costs and spreading payments across your payroll cycle to make budgeting easier.
  • Better cash flow: Manage expenses more effectively with real-time premium calculations based on actual payroll.
  • Automatic payments: Stay on track with automatic premium deductions, which eliminate manual payments and keep you organized each pay period.
  • Accurate billing: Reduce premium payment fluctuations that often occur with traditional methods.
  • Streamlined audits: Simplify year-end audit reviews and minimize surprises throughout the process.
  • Seamless integration: Enjoy a hands-off experience with automatic payroll reporting options from over 2,000 payroll providers.
  • Secure portal: Manage your payroll and billing details in a safe, centralized location, giving you greater visibility and control over your policy.
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Who is eligible for Pay-as-you-go?

To enroll in Pay-as-you-go, your workers’ comp policy must be $2,500 or greater.

How to enroll in Pay-as-you-go?

Getting started is simple. To enroll, just notify your Pinancol agent or underwriter that you’re interested in the Pay-as-you-go option; they will handle the setup for you. If you are a new member, let them know as you establish your new policy. If you are a renewing member who wants to transition to Pay-as-you-go, contact your Pinnacol underwriter.

What are the next steps?

If you choose the Pay-as-you-go option, you’ll get an email from InsurePay with instructions about how to complete your registration. To help you better understand the setup process, please refer to these additional resources:

Where do I go for additional resources, or if I have questions?

Here are some additional resources to help you learn more about Pay-as-you-go.

If you have any questions about InsurePay Pay-As-You-Go or payroll reporting in general, please reach out to your Pinnacol agent or underwriter.

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