For insurance agents, Pay-as-you-go, or PayGo, is a simple way to give workers’ compensation clients more accurate premium amounts, fewer audit surprises, and a smoother billing experience, without adding work to your plate.
To set expectations for your insureds with confidence, here’s what happens from when you first deliver a quote, to the first payroll submission.
The Insurance Agent’s Role: Quote and Bind
When you’re quoting workers’ comp coverage, select Pay-as-you-go as the billing option for eligible accounts.
Once the workers’ comp policy is bound:
- Confirm the Pay-as-you-go setup on the policy.
- The policy is then passed to InsurePay, your Pay-as-you-go partner, for onboarding.
At this point, your role is complete. Your carrier partner and InsurePay handle the rest of the workflow with your client.
InsurePay’s role: Automated Welcome and Easy Onboarding
Soon after binding, the policyholder receives an email from InsurePay welcoming them to Pay-as-you-go.
That email includes:
- A secure link to set up their InsurePay account
- Simple, descriptive steps to connect their payroll provider to InsurePay
- Clear contact information for support
From there, policyholders move through a guided onboarding flow where they:
- Create their InsurePay login in a few easy steps
- Connect their payroll provider
- Confirm their business and policy details
Most complete onboarding in just a few minutes, without needing technical help from you.
First Payroll and Ongoing Benefits
After onboarding is complete and the first payroll runs:
- Payroll data is sent directly to InsurePay from the payroll provider anytime payroll is run
- The premium due for that period is calculated automatically
- Payment is collected automatically the following day.
Pay-as-you-go then runs quietly in the background, keeping premiums aligned with actual exposure and helping reduce audit surprises for your clients.
For you, that means fewer “how does this work?” questions, a smoother billing experience, and stronger client retention. We’ve seen customers see up to a 9% improvement in retention of their book when using Paygo for workers’ comp.
See the Workflow from your Client’s Perspective
Want to preview exactly what your clients see after you bind a Pay-as-you-go policy?
Watch the 3‑minute onboarding walkthrough video to follow the full journey from quote to first payroll.
Better yet, talk directly with our team to see how PayGo can help improve retention while offering added value to your sales calls.
