Missouri workers' compensation insurance quotes- MO

Pay As You Go Work Comp Insurance

The concept of Pay As You Workers Compensation Insurance has only been around for a few years. While most agents and agencies know very little about it, we specialize in facilitating several types of Pay As You Go work comp insurance programs.

We currently offer the following Pay As You Go programs:

Self Monthly Reporting Work Comp

Direct Pay As You Go (Premiums > 20k)

Pay As You Go for Payroll Companies

QuickBooks Users: Pay As You Go (via software add-on)

Our Turn-key Payroll and Insurance Outsourcing Service

These types of arrangements help business owners reduce their insurance start-up costs, improve their cash flow, minimize their audit exposure, and create predictability in their labor costs.

Our Work Comp Quoting Process

Our work comp quoting process is similar to most agents in the market, but our options and products separate us from the rest. We start by gathering information about your company and by estimating your payroll for the policy year. We also review your loss runs and class codes to make sure your employees are coded in the workers compensation classes that minimize your premium exposure.

Once we've done our homework and put together a good marketing submission, we work with our carriers to ensure that you get the best policy, price, payment options, and program to fit the needs of your business.

Program features:

Affordable Start-up Costs

Less Than 72 Hour Turn Around on Quotes

Competitive Rates

Simplified Renewal Process

Certificates on Demand

Quick Facts:

We're an independent agency so we work for you.

We work with many of the biggest and best workers'

compensation carriers.

We have exclusive programs for Pay As You Go work comp.

We have access over 25 carriers across the country

on a competitive quoting/bidding process.

Our Mission

"Our mission is to provide the most comprehensive access to work comp insurance in a simple and affordable manner."

Pay As You Go General Liability

General Liability Shop.com offer general commercial insurance for business owners across the nation.

Solutions We Can Offer

Here are a few of the work comp solutions we can offer:

New Businesses Ventures

Construction Risks

Hard-to-Place Risks

High Experience Modifications

Multi-State Companies

Flexible Payment Options

Aggressive Markets for accounts in excess of $100,000

Deductible Options and Retro Programs

Direct Bill Work Comp Insurance

Our Direct Bill workers compensation is more familiar to most business owners. The premium is based on an estimated payroll and typically a down payment is required along with several installments. We work with numerous carriers and often find our clients the best deal available due to the number of carriers we represent. In MO, carriers can discount rates up to 25% from their filed rates with the state. We work hard to find a carrier that desires the class codes represented by your business.

Direct Bill Policies are good for companies with smaller premiums and predictable payrolls.

Our Complete Business Payroll & Insurance Solution

Keep it simple. Payroll and insurance belong together.

That's why we've developed PaySmart, a cutting edge provider of affordable Business Payroll and HR along with business insurance like Pay As You Go work comp, general liability, and employee benefits.

PaySmart offers better payroll services at a total cost that is 15% to 50% lower than most Professional Employer Organizations (PEO's) and other Human Resource Outsourcing (HRO) Firms.

Missouri Work Comp Solutions