PAYO® Workers' Comp for Small Businesses

Take advantage of AmTrust's innovative Pay-As-You-Owe® Workers' Comp solution

AmTrust PAYO® (Pay-As-You-Owe®) offers clear benefits to insureds while directly supporting the growth and success of AmTrust-appointed agents. Provide your customers all the benefits of a PAYO solution while you:

  • Generate incremental revenue from your existing payroll clients
  • Increase customer retention
  • Seamless integration with your current systems

Offering this value-added service to your customers is easy through our PAYO Direct Agency.  By utilizing our digital API technology, you can generate quotes in seconds, not days.  


PAYO makes it easy to offer your customers Workers' Comp with advantages, including:

  • No down payment or upfront fees
  • Premium calculated using real-time payrolls
  • Limited audit exposure
  • No installment fees 
  • Improved cash flow 


AmTrust is one of the nation's largest Workers' Comp providers for small businesses across multiple industries. Our specialized coverage is supported by industry-leading tools and robust resources to help prevent and minimize the impact of employee injuries.

With AmTrust Insurance, you'll get:

  • Financial stability with a rating of "A-" (Excellent) with a Stable Outlook
  • Competitive rates
  • Coverage available in all states
  • Exceptional claims & loss control services
  • 24/7 call center


Ready to integrate with our digital API? Click the Quick Quote button below and provide your customers with competitive pricing in seconds.