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Success Proven Solution for
Hard-to-Place Clients
PayGo is the next best thing (even better, in some cases) for clients
that cannot or have trouble being placed in the standard market.
Program Spotlight:
Master Policy Premium Only Solution
Large deposits. Estimated payrolls. Surprise audits. Traditional workers’ comp billing can put unnecessary pressure on your client’s cash flow and create headaches for agents trying to place coverage.
PayGo is our smart solution for hard-to-place Workers’ Comp. In this premium only master policy program, premium is billed on a pay period basis through after-the-fact payroll data to ensure proper classification and premiumbilling. PayGo does not require HR functions to be outsourced.
PayGo solves this by shifting to a real-time, payroll-connected billing model that eliminates audits and improves affordability.
Flexible & Non-HR Invasive
Our PayGo programs offer a streamlined Workers’ Comp solution without the need to change HR & Payroll functions.
This allows businesses to maintain control over their day to day HR operations while taking advantage of the programs unique features. New codes and states can be added seamlessly in our payroll opt out program.
Features That Support Growth
Pay as You Go Premium
Premiums are calculated on actual payroll—no overpayments or adjustments.
No Year-End Audits
Eliminates audit-related stress and back-end reconciliation.
Improved Cash Flow
No large upfront deposit required; clients pay what they owe as they go.
Ideal for Hard to Place Clients
Great fit for industries often declined by standard carriers.
Multi-State Compatible
Coverage works across jurisdictions with no additional complexity.
Compatible with Existing Payroll Providers
Clients can keep their current payroll systems with no operational disruption.
Pay-as-you-go billing = no audits, no deposits, better cash flow.
Addressing Common Coverage Barriers
We specialize in helping retail agents navigate workers’ compensation placements for:
Claims History Issues
- Coverage solutions for clients with prior loss frequency, severity issues, or shock losses.
- Alternative markets that evaluate the full risk profile, and not just past claims data .
High Experience Modifiers
- Coverage solutions that stabilize premium costs for high e-mod clients.
- Access to programs offering alternative rating methods beyond e-mod calculations .
Multi-State Exposure
- Streamlined multi-state coverage solutions to eliminate coverage gaps and compliance issues.
- Single-policy solutions where available to simplify multi-state compliance.
Past Coverage Issues
- Support for businesses that have experienced cancellations, non-renewals, or coverage lapses .
- Access to alternative markets that welcome businesses with prior coverage gaps
Assigned Risk Pools
- Lower-cost alternatives to state-mandated assigned risk pools .
- Providing alternative markets that may offer more competitive coverage terms and pricing .
High-Risk Classifications
- Proven success in placing coverage for high-risk industries .
- Access to markets willing to insure tough class codes that standard carriers avoid .
Why Agents Choose Worksperity
for PayGo
Premium-Only Master Policy Access
Partner with A-rated carriers offering flexible PayGo billing models.
90+ Specialized Markets
Access programs built for tough-to-place clients.
Fast, Accurate Quotes
Streamlined submissions and responsive carrier turnarounds.
Flexible Placement Strategy
Ideal as a standalone or backup when standard markets decline.
Dedicated Agent Support
One-on-one guidance through quoting, onboarding, and placement
Ready to secure a PayGo option for your client?
PayGo helps agents simplify billing, eliminate audit stress, and get tough comp cases placed faster. Submit a case and see the difference firsthand—with fewer delays and better outcomes.
