INSURANCE
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COVERAGE / WORKFORCE / WORKERS' COMP
WORKFORCE

Workers' comp that moves with your payroll.

Required in nearly every state once you have employees. We price it from real wages each pay period, so your premium tracks your actual headcount.

Quote workers' compDo I need this?
WHO NEEDS IT
Any company with W-2 employees
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
Illustrative monthly premium outflow. Red bar shows a year-end audit true-up after seasonal hiring.

SAMPLE CLASS CODES

CODEDESCRIPTIONRATE / $100
8810Clerical office$0.18
8742Outside sales$0.34
8018Wholesale store$1.42
5183Plumbing$3.86

Example rates only. Actual rates vary by state, carrier, and experience mod.

WHAT'S COVERED

  1. 01Medical care. Treatment for work-related injuries and illness.
  2. 02Lost wages. Partial pay while an employee recovers.
  3. 03Return-to-work support. Rehab and modified-duty programs.
  4. 04Employer's liability. Legal defense if an employee sues over an injury.

COMMON QUESTIONS

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.
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

  1. 01Payroll by class code and state
  2. 02Experience modification factor
  3. 03Claims history (last 3–5 years)
  4. 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

  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING

OFTEN PAIRED WITH

WORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityEMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disability

See your rates before your next renewal.

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