AmTrust’s Premier Workers’ Compensation Payment Plan

For the past two decades, AmTrust PAYO® (Pay-As-You-Owe®) has offered clear benefits to insureds while directly supporting the growth and success of AmTrust appointed agents.  

PAYO is AmTrust's workers' compensation payment solution. For insureds, PAYO makes paying premiums an automated process that limits the worries, hassles and inconvenience of other payment solutions.

PAYO also means that your policyholders can bind their workers' compensation coverage without putting any money down at policy inception or renewal. The flexible payment features of our PAYO system help you, as an AmTrust agent, better attract new clients while retaining existing policyholders.

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     PAYO – Empire Employer Solutions Testimonial
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The Benefits of AmTrust Pay-As-You-Owe

PAYO offers several benefits to both appointed agents and their policyholders. For agents, these benefits include:
  • Simplifies the management of workers’ compensation policies
  • Significantly reduces the risk of commission chargebacks
  • Save time by reducing the chance of billing, cancellation/reinstatement and collection issues
  • Strengthen your insured retention with a streamlined, flexible workers' compensation payment solution
  • Remain the agent of record and receive a full regular commission on our workers' compensation policies, with $1,000 minimum premiums and no maximum
  • Expand your sales network and increase revenue to your agency
  • Write over 300 classes of business
  • Compete against national payroll companies and professional employer organizations (PEOs)
  • Eliminate the need to collect money at policy inception and renewal, and enjoy net rates that include expense constant and state fees
  • Get access to our local Approved Payroll Partners, making it easy to get started and expand your sales circle
  • Have new payroll partners approved more easily by using our flexible PAYO reporting options
  • Enjoy fast, reliable service from our dedicated PAYO customer service team.
  • Three convenient payment solutions
For insureds, this pay as you go, flexible cash flow payment system offers a way to have better control over their workers’ compensation insurance expenses. AmTrust PAYO takes away the guesswork and provides insureds a way to make smaller, more accurate payments based on their actual payroll. This frees up cash to help them continue to grow their business. Pay as you go also offers a simplified audit process and eliminates the need to write checks or pay individual invoices to maintain coverage.
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Getting Started with AmTrust PAYO

AmTrust appointed agents will partner with an approved payroll company to make PAYO premium payments seamless for the insured. Pay as you go workers' compensation premiums are based on current payroll, so the payroll company will calculate the premium at the same time they calculate payroll for policyholders. The premium due is automatically collected based on the payroll company's preference.

Ask your Regional Sales Manager or Underwriter for a list of our AmTrust Approved Payroll Partners.