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Pay as You Go Workers Compensation

Pay as You Go Workers Compensation. $0 Down-Payment. Specific to your contractor class or small business classification. Automatic certificates of insurance. Easy yearly audits. A pay-as-you-go workers’ compensation solution allows employers to adjust premium payments based on actual payroll figures rather than estimates, ensuring more accurate and flexible payment management.

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What is Pay as You Go Workers Compensation ?

A pay-as-you-go workers’ compensation solution allows employers to pay premiums based on actual payroll figures rather than estimates. It is not standalone insurance and does not replace an employer’s existing policy; businesses must still maintain workers’ comp coverage that meets state requirements.

Instead of paying a lump sum upfront, employers using pay-as-you-go pay premiums incrementally during each payroll cycle. They can report payroll data to their insurer or integrate workers’ comp with their payroll service for automated payments.

While a pay-as-you-go solution does not reduce the cost of workers’ comp, it often leads to more accurate premium payments, potentially resulting in more favorable audits. Unlike traditional plans where incorrect premium estimates may lead to owing or being owed money at the end of the coverage period, pay-as-you-go offers real-time accuracy.


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Why Choose Our Service

Why Choose Us?

Tailored Solutions

We understand that every business is different. Our experts take the time to analyze your needs and create customized solutions that address your challenges and goals.

Comprehensive Services

From business insurance to specialized consulting services, we offer a comprehensive suite of solutions designed to support your growth and protect your assets.

Industry Expertise

Our team comprises seasoned professionals with deep industry knowledge. We're equipped to handle the complexities of your business sector and offer insights that matter.

Personalized Attention

At Humano, you're not just another client. We believe in building strong, lasting relationships. You can count on personalized attention and dedicated support every step of the way.



Yes we do. We specialize in working with contractors, but we work with hundreds of other small and medium businesses nationwide.
We work everyday and respond to all requests promptly since we take pride in trying to work as hard as our contractors do. You work with a representative and choose what hours work best for both of you. Our hotline is open 24/7.
We provide full-service payroll, direct deposit and tax filings for our clients. We do both the quarterly and yearly filings and pay employees via check and direct deposit. Online and over the phone.

Yes, our partners offer both personal and business insurances.

Personal: Homeowners Insurance, Auto Insurance, Personal Articles Floater, Umbrella Policies, Renters Insurance, High-Value Homeowners Insurance, Wind-Only Coverage, Dwelling Fire Insurance

Business: Pay as you Go Workers’ Compensation, General Liability Insurance, Commercial Auto Insurance, Builders Risk, Surety Bonds, Bid/Performance Bonds, Inland Marine, Excess & Umbrella Policies, Professional Liability Insurance, Business Owner’s Policies

We partner with companies to provide the following services.
We only work with the best insurers and companies to provide you A-rated coverage.
Humano (definition: human) is based on trust. Trustworthy and reliable custom-built services for your business.
Our contractor and startup specialists will explain and teach you about each service and product.


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