INSURANCE
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FOR COMPANIES WITH 50–500 EMPLOYEES

Benefits and business insurance, priced to your payroll.

Group health, pay-as-you-go workers' comp, and ten more lines of coverage, quoted from real payroll data and managed where you already run payroll.

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SAMPLE QUOTE · 142 EMPLOYEESREADY
  • Medical · PPO + HDHP$612 / EE / mo
  • Dental + vision$58 / EE / mo
  • Workers' comp · pay-as-you-go$0.94 / $100 payroll
  • General liability + cyber$486 / mo
Illustrative figures. Final rates depend on census, location, and class codes.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 2.8+ Million
    EMPLOYEES PAID
  • 12 lines
    OF COVERAGE, ONE APPLICATION
  • SOC 2 · HIPAA
    TYPE II · ISO 27001
WHERE WE START

One application. One renewal calendar. One bill on payroll day.

EMPLOYEE BENEFITS

Plans your people will actually use.

Compare group plans side by side, model fully insured vs level-funded, and run open enrollment online.

  1. 01Deductions sync automatically. Elections flow to payroll, pre-tax.
  2. 02ACA reporting built in. 1094-C / 1095-C from real hours.
  3. 03Licensed advisors at renewal. A named team, not a ticket queue.
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WORKERS' COMPENSATION

Pay premiums as you run payroll.

Premiums calculated from actual wages each pay period: no big deposit, no year-end audit surprise.

TRADITIONAL
25% deposit up front · annual audit true-up
PAY-AS-YOU-GO
Billed per payroll · audit reconciled continuously
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ALL COVERAGE

Twelve lines, quoted together.

Which do I need?
EMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersEMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityFINANCIAL + MANAGEMENTCommercial crimeEmployee theft, fraud, and funds-transfer schemesFINANCIAL + MANAGEMENTSurety bondsLicense, contract, and fidelity bonds issued fast
BUILT FOR

Multi-site employers where comp and benefits are both big line items.

BETTER TOGETHER · WORKLIO HCM
Run payroll on Worklio and your insurance runs itself.
  • Census and class codes pre-filled on every quote.
  • Deductions and comp premiums posted each pay run.
  • One sign-in for payroll, HR, and coverage.
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HOW IT WORKS

Quotes in about two weeks. Coverage on your effective date.

  1. 01
    Connect payroll
    Import census and wages from Worklio, or upload a file.
  2. 02
    Compare quotes
    Side-by-side plans with employer and employee cost.
  3. 03
    Bind and enroll
    E-sign applications; employees enroll from their phone.
  4. 04
    Run on autopilot
    Premiums, deductions, and filings each pay period.
THE DIFFERENCE

A broker that's wired into your payroll.

Traditional brokers see you once a year. We see every pay run.

Why Worklio
WORKLIOTRADITIONAL
Deductions synced to payrollAutomaticManual file
Carrier bill auditEvery invoiceOn request
Workers' comp billingPer payrollDeposit + audit
Renewal modelingLive, year-round60 days out
Employee supportApp + advocatesEmail HR
Broker compensationDisclosed up frontBuried in premium
SAVINGS CALCULATORWhat's one year with Worklio worth?Renewal savings, HR time, Section 125 FICA, and comp cash flow.SECTION 125Your benefits already lower payroll taxes.See one paycheck, before and after.FOR EMPLOYEESHSA or PPO? We'll do the math.Decision support built into enrollment.
YOUR RENEWAL TIMELINE

Start 120 days out. Decide with time to spare.

  1. 120
    DAYS BEFORE RENEWAL
    Kick off
    Census pulled from payroll, current plans and claims reviewed, goals agreed.
  2. 90
    DAYS BEFORE RENEWAL
    Market
    Benefits and business lines sent to carriers, including level-funded options.
  3. 60
    DAYS BEFORE RENEWAL
    Decide
    Side-by-side options with employer and employee cost. Contribution strategy set.
  4. 30
    DAYS BEFORE RENEWAL
    Enroll
    Open enrollment online. Deductions and carrier feeds set up before day one.
GUIDES + TOOLS

Answers before you talk to anyone.

FOR PARTNERS · EMBEDDED INSURANCE
Offer benefits and insurance inside your own product.
PEOs, payroll bureaus, and software platforms can embed Worklio Insurance quoting, enrollment, and pay-as-you-go workers' comp under their own brand.
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COMMON QUESTIONS

What employers ask us first.

No. Worklio Insurance works with any payroll provider. If you run payroll on Worklio HCM, we pre-fill your census and class codes and sync deductions automatically.

See your rates before your next renewal.

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