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Insurepay Pay-As-You-Go

Pay-As-You-Go Workers' Compensation


Patriot Underwriters, Inc. offers policyholders a true Pay-As-You-Go workers’ compensation solution through InsurePay. Our program enables businesses to pay their premiums each pay period, based on actual payroll versus estimated. InsurePay offers the perfect solution for policyholders with fluctuating payrolls or a seasonal workforce.

From improved cash flow, to lower down payments, Pay-As-You-Go is the best way to pay your workers’ compensation premiums. InsurePay can also eliminate check writing, and avoid late payments through automatic premium deductions.

With integrated connections to hundreds of leading payroll firms, we make it easy. InsurePay also allows policyholders to self-report their payroll in several simple methods.

Pay-As-You-Go Benefits to the Insurance Agent

  • Increase in customer service
  • Pay-As-You-Go incentives
  • Improves retention at policy renewal
  • Reduces servicing
  • Reduces audit anxiety
  • Creates happy customers
  • Compete with predatory payroll processors (ADP, Paychex, Intuit)
  • Work with local payroll companies

Pay-As-You-Go Benefits to the Policyholder

  • Reduces or eliminates the large down payments that usually range between 20% - 50% of the total estimated premium.
  • Improves cash management by allowing policyholders to accurately estimate premiums and avoid overpayment or underpayment to carriers.
  • Bases premiums on actual payroll instead of generated estimates, and eliminates the end-of-year settlement payment.
  • Reduces the risk of unfavorable audits, by allowing policyholders to be completely aware of how much is due at the final premium audit.
  • Eliminates paper check writing with an automatic ACH processing that is completely transparent and available for viewing 24/7.



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Patriot Underwriters Pay-as-you-go

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