Westfield Pay As You Go Workers’ Comp Payment Solution

Simplify your workers’ comp payments with Westfield Pay As You Go — real-time billing, no large down payments, and better cash flow for your business.

A man submitting his current payroll to Westfield Pay as You Go to ensure accurate work comp billing.

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What Is Westfield Pay As You Go for Workers’ Comp?

Westfield Pay As You Go is a flexible workers’ compensation billing option that bases premium payments on actual payroll data — not estimates. That means your workers’ comp payments adjust with your payroll each pay period, increasing accuracy and helping avoid large premium adjustments after audits.

Industries That Benefit

What Businesses are a Good Fit for Westfield Pay As You Go?

It’s a great option for businesses that experience seasonal fluctuations or changing staffing levels. Industries that often benefit from this affordable workers’ comp insurance solution include:

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STREAMLINE YOUR WORKERS’ COMPENSATION PLAN

How Does Westfield Pay As You Go for Workers’ Comp Work?

Whether you self-report payroll or work with a payroll service, Westfield Pay As You Go, combines your payroll and workers’ comp premium in one easy, automatic transaction. This approach keeps your billing in sync with your business operations, improves accuracy, and treats your workers’ comp payments like a regular payroll expense.

TOP 5 ADVANTAGES

What are the Benefits of Westfield Pay As You Go for Workers’ Comp?

Businesses are increasingly choosing Westfield Pay As You Go to access more affordable workers’ comp insurance with greater flexibility. By aligning your insurance premiums with your actual payroll, you gain better control over your payments. Here’s why many businesses are making the switch:

No Large Down Payments

Increase cash flow by eliminating hefty upfront costs.

Improved Cash Flow

Spread payments across your payroll cycle, making budgeting easier.

Convenient Payments

Combine payroll and workers’ comp premiums into one payment and stay on track with automatic deductions.

More Accurate Billing

Reduce premium fluctuations that often occur with traditional billing methods.

Streamlined Audits

Avoid large premium adjustments during the audit process by using real-time payroll figures throughout the policy term.

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Westfield Pay As You Go vs. Traditional Workers’ Comp Payments

Westfield Pay As You Go is simply an alternative method for making your workers’ compensation insurance premium payments, with the same coverage for work-related injuries as traditional plans. In the chart below, we break down the key differences between Westfield Pay As You Go and traditional workers’ comp payments.

	Westfield Pay As You Go	Traditional
Premium Calculation	Based on real-time payroll data	Based on estimated payroll
Billing Frequency	Per pay period	Typically monthly or annually
Upfront Costs	No large down payments required	Large down payments often required
Premium Adjustments	Adjusts automatically as payroll fluctuates	Only adjusts during premium audits at end of the policy term

A map of the US showing where Westfield writes Workers' Compensation insurance.

AVAILABILITY AND ELIGIBILITY

States Where You Can Enroll in Westfield Pay As You Go for Workers’ Comp

We offer Westfield Pay As You Go in all 19 states where we provide workers’ compensation insurance: Arizona, Colorado, Delaware, Georgia, Iowa, Illinois, Indiana, Kentucky, Maryland, Michigan, Minnesota, North Carolina, New Mexico, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin, and West Virginia. Contact your agent to see if your business qualifies.

Contact Your Agent

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GETTING STARTED

How to Enroll in Westfield Pay As You Go

Start by contacting your agent to confirm whether your business is eligible for Westfield Pay As You Go. If you qualify, you’ll receive an email with step-by-step instructions from Westfield and our billing platform provider, InsurePay. Simply follow the instructions in the email to complete your enrollment.

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SAFEGUARD YOUR BUSINESS AND EMPLOYEES

Westfield Workers’ Compensation Insurance

Better protect your business and support injured employees with our dynamic workers’ compensation insurance solutions. Explore our coverage options and programs today.

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WESTFIELD PAY AS YOU GO FOR WORKERS’ COMP

Frequently Asked Questions

Will I still need to complete a workers’ comp premium audit?

Yes, a premium audit is required for all workers’ compensation policies. However, by reporting your payroll through Westfield Pay As You Go, you may reduce the need for premium adjustments.

Are there additional costs associated with using Westfield Pay As You Go?

While most payroll providers will report payroll on your behalf at no cost, there is a $240 annual fee associated with a small number of providers.

Can I enroll in Westfield Pay As You Go if I don’t use a payroll service?

Yes! You simply need to self-report your payroll if you don’t use a payroll service.

Can I opt into Westfield Pay As You Go at midterm?

No, you can only enroll in Westfield Pay As You Go at quote issuance. Renewal enrollment is available for eligible business segments.

Who do I contact if I need help with Westfield Pay As You Go?

You can contact the Westfield Customer Care Center at 1.800.243.0210, option 2.