PAYGO

Navigating the world of insurance, risk management and workers’ compensation coverage can seem overwhelming, and we want to provide an easier solution. Appalachian Underwriters, Inc. (AUI) is here to help your business grow by providing the ability to enjoy “Business Made Easy”.

The PAYGO program is a joint venture between your payroll company and AUI to promote growth opportunities, efficiency and accountability on an equal basis. AUI gives you another option to custom fit your workers’ compensation needs while saving you time. With our large selection of insurance carriers, we can ensure that you will have a payment option that matches your payroll activity. Your business will also get the security in knowing it is being assisted by a company devoted to being an industry leader for “Pay As You Go” products. While it can seem like there are many obstacles to face, having a strategic relationship with AUI can help you overcome workers’ compensation hurdles that you may encounter.

What is PAYGO Workers' Compensation?

PAYGO or “Pay as You Go” is a payment plan that is an alternative to traditional installment plans and is intended strictly for an insured client that utilizes the resources of a payroll company, ASO or PEO to provide payroll services. The product was developed for clients who must have their own policy rather than being rolled up under a master policy for the payroll company, ASO or PEO. The key advantages PAYGO provides are in managing the cash flow implications of fluctuating payrolls, seasonal business cycles and eliminating large down payments. Monthly reporting helps match the insurance expense to the monthly payroll activity. It is ideal for payrolls that vary by job, seasonal highs and lows and growing businesses.

The payroll company is responsible for reporting the client’s monthly payroll to calculate the updated workers’ compensation premium and remitting payment to AUI. Contact with the client is maintained at the payroll company.

How Do We Get Started?

You are concerned with your business and want to feel good knowing your partners and vendors are doing what they can to help you achieve your goals. At AUI, we share your concerns. As an initial step, we would like to understand more about you—your needs, where your business is and where you expect it to go. Call our marketing representative today for program information and agent appointments.