Eliminate Work Comp audits while offering affordable solutions to protect your business and your employees.

Reducing the Costs of Coverage

Workers’ Compensation is a form of insurance to help cover injured or sick employees’ medical expenses, as well as help replace wages from lost work time. Workers Comp also helps protect employers from potential lawsuits due to possible negligence. When partnering with Applied for Worker’s Comp Insurance, a business can eliminate premium financing and premium adjustments through a Pay-As-You-Go Worker’s Compensation program. Your premiums are based on your actual payroll and not projected annual payroll. This helps protect you from audit exposure because your premium is based on real-time payroll wages.

  • Continue running payroll as usual. This will ensure employee count and wage data is up to date.
  • Premiums are then calculated each payroll cycle.
  • Large lump sum payments are eliminated.
  • Audits are eliminated by paying 100% of your premium according to your payroll cycle.

Employers need REAL SOLUTIONS
to help them REDUCE the cost and



Savings based on individual business characteristics

Easy To Budget And Manage

Our partners work with multiple insurance companies to find you the best option and lowest rates possible.  Pay-as-you-go workers compensation premiums are automatically paid each pay period and are based off actual payroll. It’s easy! We also work with great local agents to offer additional options for your Workers’ Comp needs. With this system, you are only paying premiums based on actual wages, which makes it easier to budget and manage. Other benefits include:

Improved Cash Flow

Workers compensation premiums are spread out over each payroll period, which makes budgeting easier and keeps cash available for your business. You only pay for what you need in any specific pay period so your expenses exactly match your operations.

Premium Adjustments

This system allows you to match premium payments to your exact employment levels for the pay period. The premium amount will adjust up or down with your staffing needs. This accuracy combined with flexibility means that you never pay a penny more than necessary.

Elimination of Lump Sum Payments

Since you literally pay as you go, you no longer face annual or quarterly lump sum payments. Rather than putting money aside to meet this large expense, you have a smooth cash flow process with real-time expense payments.

Automated Workers Comp Payments

Nearly every insurance company that offers pay as you go coverage can also automatically collect your premiums with each payroll and debit your bank account. This is one less thing to remember and one less task to manage.

Most small to mid-size businesses find that the pay as you go workers comp system best meets their needs and saves them time and money. Curious to learn how Pay-As-You-Go workers comp could benefit your business or ready to dive in? Request a free quote. At Applied Business Solutions, we help employers focus on being employers while we handle the rest.