Workers’ comp that adjusts to every paycheck.
How do we simplify workers’ comp? By taking it completely out of your hands. At RPM, we handle the entire payroll data flow and payments process. Every pay cycle, premiums are calculated and paid automatically, so you only pay for what’s owed when it’s owed. No big deposits. No workers’ comp audit headaches. Just accuracy, flexibility, and peace of mind.
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your payroll
We link with your payroll provider and current insurance carrier. We handle setup, you handle business.
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for you, every time
Each pay period, premiums are calculated in real-time based on your payroll and sent to your carrier. Improve cash flow, reduce stress.
03.
with full support
Our team is always here to help with questions, updates, and workers’ comp audits. We’re real people, and we have your back.
Pay As You Go
Easily stay on top of your workers’ comp payments
Real-time premium calculations are based on actual payroll reports to ensure you only pay what you owe. Nothing more, nothing less.
Improve cash flow with smaller, per-pay-period payments to keep your money in your business instead of tied up in estimates.
Hands-on integration with your existing payroll and insurance carrier means you don’t have to switch platforms or providers.
Say goodbye to audit headaches thanks to accurate, up-to-date payroll data. Year-end just got a whole lot less stressful.
Reliable human support from friendly, knowledgeable people. No bots, just quick answers from workers’ comp experts.
See the benefits of a fully managed RPM solution
Fully managed by RPM
We handle the payroll data flow and payments directly between your client and carrier, every pay period.
API Integration
A payroll system that talks directly to your carrier’s billing system.
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Limited providers, often excluding over 80%
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Bad payroll data means inaccurate workers’ comp data
Self-Reporting
Your client logs in to manually enter their own payroll data.
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Your client is busy running their business, not reporting payroll data to an insurance carrier
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Audit issues increase when data is late, inaccurate, or missing.
Submit this form to begin onboarding with RPM. Policyholders can submit the online form directly, while agents and carriers may submit on a policyholder’s behalf by completing the online authorization form first, then uploading the completed PDF on the form on the Get Started page.
Go To Authorization FormHave a question? Talk to a real person, not a chatbot. With RPM Pay As You Go, our friendly experts are always just a phone call away.
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No large down payments
Reduce or eliminate large upfront premiums and ease financial pressure from the start.
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Based on actual payroll
Our real-time premium calculations are based on actual payroll, so you only pay exactly what you owe with no guesswork involved.
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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Insurance Carriers
See how we can helpNo conflicts. No competing interests. We support and help protect your book of business, at no extra cost or hidden fees
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Payroll Providers
See how we can helpAs an independent partner, we complement your payroll services and help you deliver added value to your customers.
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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How does RPM’s Pay As You Go service help my business?
We simplify workers compensation insurance through a flexible, “pay as you go” model that works with any payroll provider. Instead of estimating payroll and paying premiums upfront, we calculate and collect accurate premiums for you each time your payroll is run—whether weekly, biweekly, or monthly. This precise payment and improved cash flow management system means you only pay for exactly what’s owed, exactly when it’s owed.
Because we connect directly with the policyholder’s (insured’s) payroll provider, we can calculate, collect, and remit work comp premiums to carriers. This minimizes costly audit surprises at the end of the year and helps policyholders avoid administrative headaches. Plus, there’s no need to switch providers. Our service can be integrated with over 100 carriers and any payroll provider, giving you more flexibility.
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Are there any hidden costs with RPM Pay As You Go?
With our service, what you see is what you get. After an initial one-time setup fee, there are no hidden costs. We charge policyholders a flat fee per payroll run (weekly, biweekly, or monthly). The rest is just simple, accurate premiums based on real-time calculations.
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What is a payroll report?
A payroll report is a document that summarizes employee pay information during a specific period, including wages, taxes, deductions, and benefits.
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What is workers’ comp?
Workers’ compensation is a type of insurance that provides wage replacement and medical benefits to employees who are injured or sick due to something that happened at work. Employers are usually required by state law to carry workers’ compensation insurance, making it mandatory in most industries. If you need guidance with workers’ comp insurance pay as you go services and the audit process, our specialists are ready to help. Simply fill out our online form or call 320-203-0700.
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 flexible support
- An unparalleled level of knowledge
- Respect, no matter the size of your company
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