Workers’ Compensation Pay-As-You-Go
Better Cash Flow. More Accurate Billing. Less Stress.
Premiums are based on actual payroll instead of estimates. This helps improve cash flow, reduce audit surprises, and simplify the way you manage workers’ compensation.
No Large Deposits
Spread payments throughout the policy year.
Real-Time Reporting
Premiums calculated using actual payroll.
50+ Carrier Options
More choices. Better fit. Stronger coverage.
Traditional Workers’ Comp Creates Problems
Large Upfront Deposits
Tie up cash you could be using to run your business.
Inaccurate Payroll Estimates
Payroll changes, but estimates don’t—creating overpayments or big adjustments.
Surprise Audit Bills
Inaccurate estimates can lead to costly year-end surprises.
Administrative Headaches
Manual reporting and paperwork take time and increase risk of errors.
How Pay-As-You-Go Works
A simple, accurate, and more predictable way to manage workers’ compensation.
Run Payroll
Process payroll through Counter Point HCM.
Data Reports Securely
Actual payroll data is securely reported to the insurance carrier.
Premiums Calculate Automatically
Premiums are calculated in real time.
Payments Stay Accurate
Premiums are spread throughout the policy year based on actual payroll.
The Benefits of Pay-As-You-Go
Improve Cash Flow
Avoid large upfront deposits and keep cash where you need it.
Reduce Audit Surprises
Actual payroll data means fewer surprises and more predictable audits.
Accurate Premiums
Pay for what you actually pay in wages—not estimates.
Less Admin Work
Automated reporting reduces paperwork and manual calculations.
Better for Changing Payrolls
Ideal for seasonal businesses, overtime, growth, and fluctuating labor needs.
Easy Payroll Integration
Seamless connection between payroll and workers’ comp reporting.
More Insurance Options. Better Coverage Opportunities.
Many national payroll providers operate within a limited insurance network. That can limit your options.rnrnThrough our partnership with E-COMP, businesses gain access to a broad marketplace of 50+ highly rated workers’ compensation insurance carriers.
Access to Many of the Nation’s Top Carriers
…and many more.
Better Pricing Opportunities
More carriers mean more chances to find competitive rates.
Better Industry Matching
Find carriers that understand your industry and risk profile.
Greater Underwriting Flexibility
More options for unique or challenging situations.
Ideal for Labor-Intensive Businesses
Especially valuable for construction, field service, and other labor-heavy industries.
Ideal for Businesses With Changing Payrolls
Construction
Landscaping
Security
Field Service
Manufacturing
Distribution
Professional Services
Seasonal employees. Multiple job sites. Overtime fluctuations. Rapid growth. Wherever your payroll goes, Pay-As-You-Go keeps your premiums on track.
Why Counter Point HCM?
Technology with a Human Approach.
- Local NJ-based support
- Real people, not call centers
- Strong construction & field service payroll expertise
- Advanced payroll & job costing
- Seamless workers’ comp integration
- Responsive onboarding and ongoing support
Ready to Simplify Workers’ Compensation?
Improve cash flow, reduce surprises, and gain access to more insurance options. Let Counter Point HCM help you align workers’ comp costs with real payroll data.
No obligation. Fast. Easy. Secure.
