Worker's Compensation Insurance
Pay-As-You-Go with Integrated Risk Management
Eliminate large upfront deposits and year-end audit surprises. Our pay-as-you-go workers' compensation program aligns premium payments directly with actual payroll, while providing proactive risk management, safety support, and claims oversight to help control costs and reduce workplace injuries.
Why Choose Pay-As-You-Go?
Stop overpaying. Start saving. Experience workers' compensation that works with your cash flow, not against it.
Premiums Based on Actual Payroll
Pay only for actual payroll, not estimates. Your premiums automatically adjust with your workforce, ensuring you never overpay.
No Upfront Deposits
Eliminate large upfront costs that strain your cash flow. Free up capital to invest in growing your business instead.
No Audit Adjustments
Say goodbye to year-end surprises and unexpected bills. Your premiums are accurate from day one, giving you true cost predictability.
Built-In Risk Management
Proactive safety support and loss control programs help prevent injuries before they happen, reducing your overall costs.
Active Claims Monitoring
Expert oversight and expedited claims resolution help control costs and get your employees back to work faster.
Improved Cash Flow
Better cash flow predictability enables smarter financial planning and more confident business decisions.
Comprehensive Protection & Support
More than just insurance, it's a complete risk management partnership
Improved Cash Flow
Enjoy pay-as-you-go freedom for workers' compensation insurance, with no constant or large down payment required.
Stable Lower Costs
Allow us to better manage and lower your workers' compensation-related costs, as we spread the risk over thousands of employees.
Certificates of Insurance
Receive speedy delivery of workers' compensation certificates for proof of insurance when you need it. Most requests are handled within 24 hours.
Help With Loss Prevention
Prevent accidents before they occur with consultative help from our highly trained Risk Managers and proactive safety programs.
Easy Claims Administration
Receive immediate treatment for injured workers and fast claims reporting. Call our trained professionals 24/7, and immediate work with the insurance carrier begins.
How Pay-As-You-Go Works
Simple, transparent, and designed for your success
Set Up Your Account
We'll gather your business information and customize a workers' compensation program tailored to your needs.
Submit Payroll
Each pay period, simply submit your actualpayroll data through our easy-to-use system or integration.
Automatic Calculation
Your premiums are automatically calculated based on your actual payroll, no estimates, no surprises.
Pay As You Go
Premiums are paid alongside your payroll, so there are no large upfront deposits or year-end audits.
Testimonals
“Partnering with SmartLink HR has made a real difference in our workers’ compensation results. Their deep understanding of the light industrial staffing world and proactive risk management strategies helped us stabilize our mod and improve safety outcomes across dozens of client sites. They go beyond policies — they help us control costs.”
President, National Staffing Firm
1K employees
“Since working with SmartLink HR we’ve seen a measurable improvement in our workers’ compensation results. Their industry expertise in food manufacturing helped us strengthen safety protocols, reduce claims, and ultimately lower our mod. They truly understand the risks we face on the production floor. “
CEO Food MFG Company
300 employees
“We struggled with rising workers’ comp costs due to classroom injury exposure. SmartLink HR reviewed our policies, implemented safety recommendations, and helped stabilize our premiums. They truly understand the challenges learning centers face.”
Owner Learning Center
35 employees
15+
Years of Experience
2,500+
Businesses Served
98%
Client Retention Rate
$12M+
Saved in Penalties
TRUSTED BY
Construction Companies
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TRUSTED BY
Logistics & Transportation
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TRUSTED BY
Manufacturing & SMBs
Get Your Free Consultation
Let's discuss how pay-as-you-go workers' compensation can transform your business
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Trusted by businesses nationwide | Licensed & Insured | CPEO Certified