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Workers' comp premium payments and payroll
When you sign up for workers' compensation with Gusto, premium amounts are submitted using the pay-as-you-go payment method. The following timeline occurs when you run payroll:
- Every time you run payroll (regular, off-cycle, or bonus payroll), we'll send your payroll information to our partner, AP Intego.
- AP Intego will forward this to your insurance carrier and use the payroll information to determine your premium amount. This amount is calculated based on 4 key factors:
- Employer's payroll amount
- Job classification (4 digit class codes) within the company
- Historical claims experience (experience rating or ex mod)
- Taxes and surcharges applicable to the state
- Every Thursday, a workers' compensation invoice will appear in your Settings tab under Plan & Billing for payrolls processed within the prior week.
- A debit for this calculated premium will be deducted from your company bank account. Note: AP Intego will debit from the company bank account used in Gusto. They have this information as part of the Gusto/AP Intego integration.
Restrictions with inconsistent payroll
Pay-as-you-go workers' compensation requires consistent payroll. If you do not run at least one payroll per month, you run the risk of policy cancellation.If you anticipate a time period greater than 4 weeks without payroll, please contact AP Intego at (866) 610-0063 to let them know. This will keep your policy intact and avoid having to repurchase insurance when this is needed in the future.
Payroll, benefits, HR and more.