WORKFORCE
Workers' comp that moves with your payroll.
Required in nearly every state. We price it from real wages each pay period, so your premium tracks your actual headcount.
- WHO NEEDS IT
- Most employers; rules vary by state
- BILLING
- Per payroll run, no deposit
- STATES
- Multi-state, one policy
- TIME TO BIND
- As fast as same day
WHY PAY-AS-YOU-GO
Cash stays in your business.
Traditional policies front-load a deposit on estimated payroll, then settle up at audit. Ours bills what you actually paid.
TRADITIONAL
PAY-AS-YOU-GO
JANJUNDEC · AUDIT
SAMPLE CLASS CODES
| CODE | DESCRIPTION |
|---|---|
| 8810 | Clerical office |
| 8742 | Outside sales |
| 8018 | Wholesale store |
| 5183 | Plumbing |
Rates are filed state by state. Each code's page says what it covers and where it applies, with an estimate at your own rate.
All class codes, by industryWHAT'S COVERED
- 01Medical care. Treatment for work-related injuries and illness.
- 02Lost wages. Partial pay while an employee recovers.
- 03Return-to-work support. Rehab and modified-duty programs.
- 04Employer's liability. Legal defense if an employee sues over an injury.
COMMON QUESTIONS
- What is pay-as-you-go workers' comp?
- Your premium is billed with each payroll run, from the wages you actually paid in each class code. A traditional policy instead bills a premium estimated from projected payroll, usually a deposit and then installments, and settles the difference at the audit after the policy ends.
- Do I still get audited?
- Yes, but because premiums follow actual payroll, the audit usually confirms what you've already paid.
- What happens when I hire in a new state?
- Add the state in payroll and coverage extends on the same policy. North Dakota, Ohio, Washington and Wyoming are the exception: there you open an account with the state fund.
- What is an experience mod (EMR)?
- A multiplier on your premium that compares your payroll and claims with the average employer in the same class codes. NCCI or your state's rating bureau calculates it; in states where the state fund is the only insurer, such as Ohio and Washington, the fund does. At 1.00 your premium is unchanged; below 1.00 it drops, above 1.00 it rises. It usually covers three completed policy years ending a year before the mod takes effect, and applies once your premium in those years meets the state's minimum.
- What are OCIP and CCIP?
- Wrap-up programs for a large construction project or a series of them. In an owner-controlled program (OCIP) the project owner buys workers' comp, general liability, or both for the enrolled contractors on the job; in a contractor-controlled program (CCIP) the general contractor or construction manager does. When the program includes workers' comp, each enrolled contractor's own policy excludes that project, so its payroll there is reported separately.
- Can I bundle this with other coverage?
- Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
- Does Worklio payroll help?
- If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.
WHAT AFFECTS YOUR PRICE
- 01Payroll by class code and state
- 02Experience modification factor
- 03Claims history (last 3–5 years)
- 04Safety programs and return-to-work
HOW WE QUOTE IT
APPLICATION
ACORD 125 + ACORD 130
WHAT TO HAVE READY
- Payroll by class code (from payroll)
- Loss runs, 3–5 years
- Current policy declarations
- Experience mod worksheet
On Worklio HCM? Payroll and headcount data are pre-filled.
WHO USUALLY CARRIES IT
- Senior careREQUIRED
- HealthcareREQUIRED
- Behavioral healthREQUIRED
- Dental + veterinary groupsREQUIRED
- ManufacturingREQUIRED
- ConstructionREQUIRED
- Auto dealer groupsREQUIRED
- Franchise groupsREQUIRED
- StaffingREQUIRED
- Facility servicesREQUIRED
- LogisticsREQUIRED
- RestaurantsREQUIRED
- HotelsREQUIRED
- Education + childcareREQUIRED
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
