01 · Upload & review
Send currently valued 5-year loss runs (valued within the last 30 days). We review fit—usually within 48 hours.
Pay-As-You-Go Workers’ Comp
Pay as you go. Keep your cash.
Workers’ compensation that starts at $0 down—built for California employers who want better cash flow and hands-on help improving safety.
- X-Mod 1.20–2.00
- $0 Down
- No Broker Markup
- Since 2000
PAYG / Cash-flow brief
$0 down to start coverage.
- Broker commission
- None
- Collateral
- None
- Underwritten by
- Easeworks, direct
- Target X-Mod
- 1.20-2.00
How it works
Four steps. No upfront premium.
02 · Program design
We build the program around claims history, cash flow, and safety goals—without a broker commission layered into the rate.
03 · Pay-as-you-go funding
Preserve cash instead of paying a lump sum at the start. No collateral posted and no capital trapped in a policy.
04 · Safety playbook
Claims triage, root-cause reviews, training cadence, and manager accountability designed to improve the mod over renewal cycles.
Side by side
Traditional workers’ comp vs. pay-as-you-go
Most employers pay the full premium up front. Easeworks funds coverage monthly so you keep cash in the business.
| Feature | Traditional | Easeworks pay-as-you-go |
|---|---|---|
| Cash required to start | Full premium, upfront | $0 down |
| Broker commission | Built into the rate | None—we bind direct |
| Who prices your risk | An underwriter who has never met you | The Easeworks team reviewing your fixes |
| When you improve your mod | Rewarded at the next renewal, if at all | Reflected as losses develop |
| Collateral required | Often yes | No |
Simple submission
Let’s get started.
Answer a few business questions and upload your currently valued 5-year loss runs. Valuation date must be within the last 30 days.
- Loss runs
- 5 years of history
- Valuation
- Currently valued ≤ 30 days
- Format
- PDF only, max 10MB
Request received
We will be in touch within 48 hours.
An Easeworks specialist will review the loss runs and confirm program fit.
Prefer to talk now? Call (888) 843-0880.Related risk work
Need a broader risk review first?
Program availability, terms, and pricing are subject to underwriting review and vary by state and class code. This page is informational and does not constitute an offer of coverage.