Pay As You Go

This feature provides your insureds a more flexible option to paying premium. Instead of choosing a Direct Bill Option which is based upon estimated payroll for the policy year your insured pays premium based upon actual payroll per pay cycle. This gives many insureds the cash flow advantage they are looking for to keep their business running smoothly. This feature also is a great way to minimize year end audit payments!

Client Advantage

• Maximize Cash Flow By Paying Actual Vs. Estimated Payroll
• Minimize Year End Audit Payments
• Integrated Reporting Process
• Easy ACH Payment Transfer based upon Payroll Cycle

Agent Advantage

• Compete Directly with Payroll Companies Targeting Your Clients for Workers' Compensation Coverage
• Maintain Agent Client Relationship
• Ability to Work with Only Agent Friendly Payroll Companies
• Increase Client Retention Rate

How does the program work?

Cluett Commercial Insurance Agency has partnered with Cennairus, Inc. to offer agents another competitive option to workers' compensation coverage. Through Cennairus we can provide workers' compensation program with carriers that offer either Direct Reporting or Payroll Company Reporting Options.

First we underwrite the risk to qualify a Pay As You Go Carrier and then the client has the option of Direct Reporting, choosing an Agent Friendly Payroll Company (a list is available through our Underwriters) or including their Existing Payroll Company in the process.

Current Carriers Available through this Program

• AIG
• ACE
• Travelers
• AequiCap
• Guard*
• Dallas National
• AM Trust

If interested in receiving a quote for this program please let our underwriters know upon submission. Once a risk is bound, Cluett/Cennairus will coordinate with both your client and payroll company to set up the monthly reporting requirements.

*The Guard Program offers their own Pay As You Go options 1.) a Direct Reporting Option in which insured reports payroll monthly to carrier 2.) GRIP Option in which clients select one of the approved Guard Payroll Companies. With both options Guard withdrawals premium directly from the insured.