Pay-by-Pay Premium Payment Program for Workers’ Compensation

You are passionate about growing your business. But complex and necessary administrative tasks, such as workers’ compensation premium payments, can disrupt your company’s workflow and steal focus from your business priorities

What if one service could help you:

  • Minimize surprises at your year-end audit
  • Reduce the risk of over or underpayment of your workers’ compensation premiums
  • Accurately calculate premium payments on workers’ tips and wages
  • With Pay-by-Pay, your payments are based on actual payroll data and carrier rates, which helps minimize miscalculations at your year-end audit

Pay-by-Pay can help manage the premium payment process. Our Pay-by-Pay program:

  • Sends your premium payments directly to your carrier to avoid late payment policy cancellations, fines and penalties
  • Helps manage administrative activities that can interfere with your productivity

Your business demands prompt attention. But filing, finding forms, and keeping track of payment schedules can weigh you down. When it comes to handling workers’ compensation premium payments, you need a solution that makes your life easier:

  • Gives you more time to focus on the work that really fuels your business
  • Helps manage the paperwork, and minimizes your valuable time by managing complicated premium payment
  • Decreases the risk of late payment policy cancellations because payments forwarded directly to your carrier
  • Puts you in control of your workers’ compensation payment information

Detailed reporting allows you to track and manage premiums paid-every time you process payroll. You also have access to information at the employee, state, and class-code level, allowing you to better manage your workers’ compensation expenses.


ADP’s Pay-by-Pay clients enjoy valuable and attractive benefits from a specialized service team that offers personalized and reliable support. You want to grow a stronger, smarter business. We can help you get there.

What would you do if you had extra cash to put back into your business? Pay-by-Pay offers:

  • No up-front premium deposit, which frees up funds that you can invest in your business to help build profitability
  • Premium payments based on actual payroll data and carrier rates to minimize over or under payments or premiums
  • Payments that are spread over your company’s payroll cycle so you know exactly what to expect and when

Our pay-by-pay premium payment program for workers’ compensation

  • No premium deposit required
  • Premium based on actual payroll and carrier rates
  • Payments spread out over company’s payroll cycle
  • Reduced risk of over or underpayment at year-end audit
  • Eliminates writing checks and assures accurate, on-time payments

Traditional workers’ compensation premium payments

  • A 25-100% premium deposit required
  • Premium based on estimated annual payroll
  • Limited payment terms (e.g. monthly, quarterly, semi-annual, annual)
  • Greater risk of additional premium due at year-end audit
  • Need to hand write checks and send via mail, risking late payment or cancellation