Most employers are required to carry Workers' Compensation coverage for their employees with only a select few states not requiring such coverage. At Optima we believe in shopping the market to find you the best pricing available through our setup to provide you with Pay-As-You-Go Workers' Comp Coverage.

In setting up Pay-As-You-Go, we will calculate the necessary premiums for each pay period and remit that payment directly to the carrier. This allows for an accurate payment, making your annual audit a breeze.

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  Pay-As-You-Go Program Traditional Policy
Deposit/Down Payment No Deposit/No Down Payment 25% Minimum Deposit
Premium Calculation On Actual Payroll at Each Pay Period Estimated Based on Projected
Reports No Reports to Complete Monthly/Quarterly Audit Reports
Audit Minimal Adjustments, Premiums Paid on Actual Payroll On-Site Audit, Documentation, Additional Premium Due or Refund

Program Carriers

accident-fund-logo amerisafe-logo amtrust-logo berkley-net-logo berkshire-hathaway-logo cna-logo compwest-logo employers-logo first-comp-logo guard-insurance-logo hanover-insurance-logo liberty-mutual-logo preferred-employers-logo qbe-logo republic-indemnity-logo texas-mutual-logo the-hartford-logo the-zenith-logo travelers-logo   

Our program is designed to streamline your workers' compensation payments, aligning them with your actual payroll. This approach helps in better managing cash flow and reducing year-end surprises. For more information on how our Pay-As-You-Go solution can benefit your business, or for any queries, please feel free to contact us.

Join the multitude of businesses in Rochester, NY and beyond that trust Optima Benefits Group for their employee benefits and payroll needs.

Call us at 585-506-4000 or email us through our secure contact page to learn how we can help your business grow and succeed.