Every employee is assigned an NCCI class code, every code carries its own rate, and premium moves with payroll instead of a once-a-year guess. That is the whole system, and it is the same system whether the business has three employees or three hundred.
Every job an employee actually does gets its own NCCI code and its own rate. A roofer and a bookkeeper at the same company are rated separately, because they are separate risks.
A factor built from three years of the business’s own claims history. Below 1.00 lowers the premium; above 1.00 raises it. It moves with the safety record, not the industry average.
The exposure basis. Rate per class code is applied to actual payroll in that class — not headcount, not revenue, not an estimate made twelve months early.
Premium is calculated from actual payroll each pay period, reported through your existing payroll provider. No large deposit, no audit surprise.
Because pay-as-you-go tracks real payroll all year, the audit reconciles small differences instead of a full-year estimate against reality.
Site surveys and ergonomic assessments come with every policy. Preventing a claim is cheaper than paying one, so it is not a paid add-on.
An injured employee reaches a registered nurse immediately, day or night, before a claim is even opened. Faster triage means a faster return to work.
A structured path back to modified or full duty, built with the employer, because employees who stay connected to work recover faster than those who do not.
Covers the employer directly for a work-related injury claim that falls outside the state comp system — a third-over, or a suit by a family member.
Quarterly site walks, a rebuilt toolbox-talk programme and nurse triage on every strain. Their premium followed their safety record down.
Nurse triage the same shift, a modified-duty plan the same week. The claim closed before it became an expensive one.
Rating mechanics are the same everywhere we write; the rate itself is state-specific.