Workers’ Compensation Programs

Pay-As-You-Go Programs

Pay-As-You-Go Workers’ Compensation Insurance

Normally, insurance carriers use estimated payroll figures to determine workers’ compensation insurance premiums. Using this method, the insurance carriers put clients on enormous installment payment plans and require large premium deposits. This means that business owners have huge up-front costs as well as the burden of being tied to expensive fixed monthly premiums. Clients can also be hit with sizable premium audit bills if they underestimate their annual payroll. These bills can then make it difficult for clients to afford the deposit and up-front costs associated with the next year’s policy.

AMS Programs is excited to offer brokers a more efficient and affordable system for their clients with our innovative pay-as-you-go workers’ comp insurance plans. Premiums are calculated and collected each payroll cycle instead of being based on estimates. This means that when payroll goes down, premiums go down. Pay-as-you-go workers’ compensation insurance can provide great benefits to your clients and maximize their cash flow.

  • Little or no premium deposit required. Sparing your clients large up-front costs.
  • Our premiums are fair and affordable, based on the client’s actual payroll instead of an estimate.
  • No large installment payments.
  • Eliminate or reduce year-end additional premiums due to audits.

At AMS Programs, our PEO services include pay-as-you-go workers’ comp insurance, payroll processing, employee health benefits, employment practices, liability management, risk management services, and human resource support. Together, these programs provide an integrated service that meets the needs of business owners everywhere.

How Brokers Benefit From Our Pay-As-You-Go Workers’ Comp Offerings

Our pay-as-you-go workers’ compensation insurance is the solution brokers are searching for. Do you represent a difficult-to-place client with a high hazard class and experience modifier? AMS Programs can offer you a high-quality insurance solution. We have experience working with contracting, caregiving, transportation, hospitality, janitorial services, and more. Brokers may struggle to find insurance for clients working in some of the most dangerous industries in the country, but at AMS Programs, you need look no further than our high-value insurance options.

AMS Programs offers demonstrable savings and ways for clients to grow their business. In addition to the money saved with the pay-as-you-go format, you can offer your clients the opportunity to earn a rebate up to 25% if they maintain a safe workplace for a year. We offer innovative, convenient, and affordable solutions to help brokers and their clients enjoy the highest levels of success.

Contact us today to learn more about how we can help you and your clients.


Premiums are calculated from actual payroll. When payroll goes down, billing goes down.

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No Deposit!

Workers’ Comp premiums are collected with pay. Eliminates the need for an upfront deposit.

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Cash Back!

Receive 15% or more of premium cash back for no or low losses.

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Competitive Rates!

Our programs consistently save clients an average of 20% or more on their workers’ compensation rates.