WORKERS COMP PAY-BY-PAY INSURANCE

Pay as you go.
No surprise audit bill.

Workers' comp premiums that follow your actual payroll.

Your premium is calculated from your real payroll and paid with each run, so there is no large deposit up front and far less to settle at audit.

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workers comp pay by pay insurance with rpm payroll

Workers' Comp, Adjusted & Paid as You Go

Avoid a big catch-up bill.  Know your premium matches your real payroll.
Workers Comp Pay by Pay allows you to cover your workers comp premiums with extreme accuracy
  • Manage cash flow by paying premiums as you run payroll.
  • Skip the large upfront deposit that traditional coverage requires.
  • Pay premiums calculated from your actual payroll, not an estimate.
  • Take audits and manual payments off your plate and put it on ours.

Traditional Workers' Comp

❌ A large upfront deposit
❌ Premiums based on estimated payroll
❌ A year-end audit with a surprise bill
❌Manual payments to track and send
❌ Missed payments can cancel your policy
❌ Cash tied up

RPM's Pay-By-Pay

✓ No large upfront deposit to get started
✓ Premiums calculated from your payroll
✓ Accurate amounts shrink audit surprises
✓ Payments auto-sent to your carrier
✓ Auto-pay protects your coverage
✓ More cash that stays in your business

Top Tech & Team at RPM

 
The Best Technology

Your pay-by-pay program runs on ADP, the same workers' comp payment system trusted by some of the largest employers in the country.

Your premiums are calculated from real payroll data and sent to your carrier automatically, with the accuracy and reliability of enterprise-grade technology behind every payment.

The Best People

You get that national program with a local team servicing it. Your dedicated RPM contact sets it up, answers your questions, and is the person you call when something comes up. Instead of a national help line, you reach someone who knows your business and your account.

Get the backing of a national program with the service of a local partner who knows your name. 
 
Request to Speak to Our Specialist
Over 700 Payroll clients served Payroll and HR services in all 50 states Fully Bonded and Insured Payroll Service Company Enterprise payroll technology solution provider 2021 - 2026 Best Places to Work in Western New York

What To Expect

With RPM Payroll, your workers compensation is accumulated over time instead of a surprise end-of-year catch-up.

Keep Your Cash in Your Pocket

Instead of handing over a big deposit before coverage even starts, you pay small amounts as you run payroll. The money you would have tied up stays available for the things that grow your business.

No Surprise Bill at Audit

Since your premium tracks your actual payroll all year, there is far less to reconcile at audit time. You are far less likely to open a bill you never budgeted for.

You Never Miss a Payment

Premiums are sent to your carrier automatically every time you run payroll. There are no checks to write, no due dates to track, and no risk of a missed payment putting your coverage at risk.

Your Premium Matches Reality

When your payroll goes up or down, your premium follows. You are paying for the workforce you actually have rather than an estimate made months ago.

Connected to Payroll

With your workers comp connected to your payroll system, there is no separate system, no double entry, and no gap between your payroll and your coverage.

You Have Someone to Call

When a question comes up about your policy or your audit, you reach your RPM contact, a real person who knows your account, instead of a national service center.

What Our Customers Say

"Our RPM rep set the whole thing up and explained exactly how the payments would work. When our audit came around, there were no surprises for the first time ever. That was a relief."

Plumbing Company

"Not having to write a big check up front made a real difference for our cash flow. Now the premium just comes out as we run payroll and I do not think about it."

Mom n Pop Retail Store

"We used to get hit with an audit bill every year that threw off our budget. Since switching to pay-by-pay through RPM, that surprise is gone. I wish we had done it sooner."

Carpet Cleaning Service Company

Frequently Asked Questions

Talk to an RPM Specialist About How Pay-by-Pay Works for Your Business

Tell us about your current setup and we can show you what working with RPM would look like. 
2021 to 2026 Best Places to Work in Western New York - RPM Payroll

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