WHY WORKLIO
A brokerage built on the payroll engine behind $35 billion in pay.
Worklio has run payroll since 2017. Worklio Insurance uses that same data to quote accurately, bill correctly, and catch errors before they cost you.
| Feature | WORKLIO | TRADITIONAL BROKER |
|---|---|---|
| Deductions synced to payroll | Automatic | Manual file |
| Carrier bill audit | Every invoice | On request |
| Workers' comp billing | Per payroll | Deposit + audit |
| Renewal modeling | Live, year-round | 60 days out |
| Employee support | App + advocates | Email HR |
| Broker compensation | Disclosed up front | Buried in premium |
YOUR ADVISORY TEAM
Three named people on your account. Same team every year.
- BENEFITS CONSULTANTStrategy + renewalsPlan design, funding, carrier negotiation.
- RISK ADVISORComp + business linesWorkers' comp, liability, cyber, bonds.
- ACCOUNT MANAGERDay-to-day serviceEnrollment, claims issues, COIs, billing.
FUNDING OPTIONS
We model all three at every renewal.
- FULLY INSUREDFixed premium, no surprises.
The carrier takes all claims risk. Little visibility into how your plan performs.
Best fit50–150 employees - LEVEL-FUNDEDMOST CHOSENPredictable payments, money back.
A flat monthly cost with stop-loss protection. If claims come in low, you share the surplus.
Best fit100–400 employees - SELF-FUNDEDMost control, most data.
Pay claims directly with stop-loss above a threshold. Full plan design and pharmacy flexibility.
Best fit300+ employees
SWITCHING
Changing brokers doesn't change your plans.
- 01Sign a broker of record letter. One page. Your carrier, plans, and ID cards stay the same.
- 02We audit what you have. Bills, contributions, and comp class codes in the first 30 days.
- 03Shop at your next renewal. Or earlier, if we find a better deal mid-year on business lines.