Workers’ Compensation

Freedom to bring your own broker or utilize one in our network.

Workers Compensation in California for Small Businesses

Stay focused on revenue-generating tasks and away from paying workers’ compensation premiums.  Dealing with the year-end workers’ compensation audits is a hassle.  Whether you keep your existing broker in place or use one in our internal network, Pacific Coast Payroll will help administer your workers’ compensation plan allowing you to pay premiums based on actual employee wages.

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  • Streamline your premium payments.
  • Free up cash for your business you can use now.
  • Reduce the risk of over or underpayment due to estimating payroll wages.
  • Help pass your annual workers compensation audit with flying colors.
What Makes Our Workers Compensation Program Unique?

Start your policy with little to no down payment.

Premiums are calculated on actual, not estimated, payroll data.

Payments fluctuate based on your seasonal workforce.

Simplify year-end workers compensation audits.

Keep your existing broker in place or utilize one in our network.

What Makes Our Workers Compensation Program Unique?

Start your policy with little to no down payment.

Premiums are calculated on actual, not estimated, payroll data.

Payments fluctuate based on your seasonal workforce.

Simplify year-end workers compensation audits.

Managing workers compensation payments and audits are a hassle.  Our pay-as-you-go worker’s compensation program streamlines this for you and frees up cash, so you can put it right back into your business.

Pay-as-you-go

How does this all work?

We’ll help you job cost your payroll to track the wages paid to employees based on workers compensation class codes.  You will have access to built-in reporting to show the proof needed to complete your year-end audit accurately and on time.  Check out the difference between our pay-as-you-go program versus the traditional option.

Pay As You Go Payment Program

  • No premium upfront deposit required
  • Pay worker’s compensation premiums based on actual, not estimated payroll data.
  • Premium paid in smaller amounts and spread throughout the year.
  • Reduced risk of over or underpayment at year-end audit
  • Eliminates writing checks and assures accurate, on-time payments

Traditional Premium Payments

  • A 25-100% upfront premium deposit required
  • Premium based on estimated annual payroll
  • Limited payment terms (e.g. monthly, quarterly, semi-annual)
  • Greater risk of additional premium due at year-end audit
  • Need to hand-write checks and send via mail risking late payment or cancellation
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How we help

What to expect during your workers compensation audit.

Workers compensation audits are mostly done once per year, but can be requested from your carrier at any time.  One of the main purposes of the audit is to verify W2 payroll records and to show proof of what your employees have been paid during the policy period.  That’s where we come into play.

Pacific Coast Payroll will provide:

  • Access to reporting online at your fingertips.
  • Accurate, detailed workers compensation reports that satisfy carrier requirements.
  • Job costed payroll reports by class code, so you can easily distinguish wages paid for each class code on your workers compensation policy.
  • Reports showing all W2 and 1099 workers paid during policy period.
  • Minimized audit hassles if you are setup on the pay as you go workers compensation plan.

Going through workers compensation audits can be time consuming and a pain to deal with.  Partner with a payroll company who understands, so you can focus on what’s most important – your business!

What does broker friendly mean?  It means you can keep working with your existing broker, or we can introduce you to one in our extensive network. Either way, you still get access to our pay-as-you-go workers compensation program!

Modernized workers compensation

We’re broker friendly.

We recognize the need that most clients want their payroll and workers compensation tied together.  Paying your premiums this way is more accurate and convenient for almost all businesses.  While many of the larger payroll companies out there offer pay-as-you-go insurance, they also require clients to use their in-house insurance agency and payroll service to get access to a solution like this.  In addition, many of these companies charge extra fees for this level of service.  With Pacific Coast Payroll, we are not an insurance agency and will not compete with your existing broker relationship.  Our goal is to give you the freedom to choose who you want your broker of record to be to all while giving you the convenience to pay your workers compensation premiums as you go throughout your policy year.  The best part is, there are no hidden fees!

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Compliance and coverage

Wonder why you need workers’ compensation insurance?

  • Most states require businesses with one employee or more to acquire workers’ compensation insurance, with only a few exceptions.
  • States requiring workers’ comp typically impose significant penalties for non-compliant businesses.
  • Regardless of fault, coverage is necessary. Injured workers are usually eligible for workers’ compensation, even when injured due to their own negligence.
  • Health or medical insurance is not a substitute - workers’ compensation only covers employees for on-the-job injuries or job-related illnesses.
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