Insurance Carriers
Workers’ comp made easier for you and your clients
RPM is a no-cost Pay As You Go partner that helps improve premium accuracy and support healthier loss ratios while integrating seamlessly with your systems, from XLS files to full API connections.
National Confidence
10,000+
growing businesses
2,000+
agents
100+
carriers and major payroll providers
The RPM Advantage
A service partner built to help you retain clients
Independent & carrier friendly
RPM Advantage:
We’re fully independent, with no competing interests. Our team partners closely with you to support your clients and protect your book of business.
No cost partnership
RPM Advantage:
There’s no additional cost or hidden fees for agents or carriers. Expand your offerings without impacting your bottom line.
Flexible integration options
RPM Advantage:
We adapt to your workflows, not the other way around. We integrate however carriers prefer, from simple XLS file exchanges to full API connections.
Supports healthier loss ratios
RPM Advantage:
More accurate premium alignment with payroll helps reduce under or over collection, supporting stronger performance across fluctuating and seasonal books of business.
Real people. Real support. Every time.
Every interaction with RPM connects your clients to a knowledgeable human who understands their needs, helping you build stronger, longer-lasting relationships without additional lift.
01.
Prepare the online authorization form on behalf of your policyholder. After submitting, you will receive a PDF by email. Have your policyholder fill out the PDF and return it to us either by email or by uploading it through this form.
02.
Once set up, we calculate premiums using your client’s actual payroll and handle monthly remittance to you. This reduces confusion and minimizes discrepancies at audit.
03.
From onboarding to payroll questions to audit assistance, our team supports your clients throughout the policy, giving you more time to focus on selling and growth.
Our Services
Enhance client support without increasing your workload
Pay As You Go workers’ comp
PAYGO aligns premiums with actual payroll, reducing billing confusion and smoothing out the annual audit for your clients.
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Premiums reflect real payroll
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Fewer surprises during renewal
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Easier conversations with your clients
Audit review assistance
We review client audits at no additional cost to ensure accuracy, resolve discrepancies, and reduce friction for both you and your clients.
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Expert review of payroll and class codes
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Clear explanations for you and your client
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Included with every RPM relationship
Any payroll. Any carrier. One payments partner.
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Business Owners & Policyholders
See how we can helpStay cash flow positive with accurate, per-pay-period premiums and no year-end surprises.
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Insurance Agents & Brokers
See how we can helpKeep your clients happy and renewals strong with accurate billing, audit support and reduced admin.
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Payroll Providers
See how we can helpWe provide peace of mind for your clients with effortless payroll syncing and accurate payments.
Take the guesswork out of workers’ comp
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What is Pay As You Go workers’ comp?
Pay As You Go (PAYGO) workers’ compensation is an insurance payment model where a business’s premiums are calculated based on actual, real-time payroll wages, rather than an annual estimation, reducing the risk of a large, unexpected bill at the end of the year.
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Does it cost agents and carriers to partner with RPM?
As an agent or carrier, you can partner with us at no additional cost, improving your value with our technology and team without impacting budget and overhead.
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What experience does RPM have with policyholders?
We’ve helped over 20,000 businesses simplify their workers’ comp payments through accuracy, technology, and genuine human support. Simply fill out the online form on this page or call 320-203-0700 to learn more.
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How does RPM reduce audit surprises?
Our specialists eliminate surprises by verifying all payroll, class codes, and exclusions throughout the policy lifecycle. Your business is complex, and things change. RPM can help make sure you’re covered by alerting you when, for example, an endorsement is needed. That way any changes are captured on an ongoing basis, helping minimize balances due at the mandatory term-end audit.
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Does RPM work with my existing payroll provider?
As an independent provider, we’re unaffiliated with any specific payroll provider, insurance agent, broker, or carrier. That means you can enjoy all the benefits of our Pay As You Go service with any carrier and payroll provider.
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My insured is interested in Pay As You Go. How do I get them set up?
Preparing an authorization form for your client?
Agents and carriers can prepare the authorization form on behalf of a policyholder.
What to do:
- Prepare the online RPM authorization form for your client.
- After submitting the online form, you’ll receive a pre-filled PDF and unique link in your email. You can add the PDF to your e-signature packet of choice.
- Have the policyholder review and sign the RPM form.
- Upload the signed form back to RPM using the following form.
Whether you’re ready to set up a call, or you’d just like to get to know us better with a few questions, we’re happy to help.
- Access to experts when you need them
- Accurate, friendly, and human support
- An unparalleled level of knowledge
- Respect, no matter the size of your company
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