Your hub for insights, guides, and success stories

Everything you want to know

• 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.

• How are workers' compensation premiums calculated?

  Workers’ compensation premiums are calculated using your payroll, your employees’ classification codes, and your carrier’s rate for each job type. Class codes group employees by the type of work they do, and each code has a risk-based rate. Higher-risk jobs cost more; lower-risk jobs cost less.

  Your premium is then adjusted by your experience modifier (MOD), which reflects your past claims history. A MOD below 1.0 lowers your premium, while a MOD above 1.0 increases it.

  Traditional policies use estimated payroll, while PAYGO bases premiums on actual payroll, helping reduce audit discrepancies.

  Need more help? Simply fill out our online form or call 320-203-0700 to chat with our expert team!

• How can these resources help my business?

  You’ll find a mix of blog posts, practical guides, industry insights, FAQs, and real-world success stories from RPM clients and partners.

• How does an audit review from RPM help my business?

  Workers’ comp audits can be stressful and confusing. Auditors are often looking at your account for the first time, missing critical context. If you’re an RPM client, we already know your business, so we’re a step ahead when audit season comes around. During the review, our team gathers and provides reports to streamline the audit process. You’ll get the accuracy you need, with none of the stress.

  If you’re an insurer, we can help you collect audit balances by breaking them into more easily managed payments for your clients. If you’re a business owner or policyholder, we give you a flexible payment option so you don’t have to suddenly come up with a surprise lump sum of money. We’ll also review auditor findings and advocate for policyholders if discrepancies are found.

• 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.

• How does RPM ensure my data is protected?

  All payroll, employee, and payment data is encrypted to the highest industry standards. Every transaction is protected with encrypted systems and clear reporting. These systems and strict access controls keep your data secure.

• How do I get in touch with RPM for support?

  Simply fill out our online form and we’ll get back to you as soon as possible, or call 320-203-0700 to speak with our friendly, knowledgeable team. No automated bots, just real people ready to help with workers’ comp premium management.

• How fast are your response times?

  At RPM, you come first. We aim to respond to most inquiries within 48 hours, with additional hands-on support when you’re navigating audits, payment changes, or other complex workers’ comp matters. You’ll also find extensive self-serve resources on our website, including our FAQ page. If you need urgent assistance, a quick call at 320-203-0700 will always connect you with a real person.