Pay-As-You-Go FAQs

What is InsurePay?

InsurePay is our Pay-As-You-Go, Premium Payment Program. It is a convenient, accurate, and flexible method of paying your workers’ compensation premium. 


What are the benefits of InsurePay?

  • No down payment
  • Real-time WC premium calculations
  • Improved cash-flow for business
  • Automatic premium deductions
  • Reduced audit exposure due to real time premium calculations

Who is eligible for InsurePay?

  • Policyholders with a minimum estimated annual premium of $5,000
  • Policyholders of all classes of business


How do I sign up for InsurePay?

Enrollment is easy! During the underwriting process, the producing agent will be required to provide the account underwriter with the name, email address, and telephone number of the policyholder contact who will be responsible for reporting the payroll information.

Upon policy issuance, an email will be sent to the payroll contact provided, prompting them to enroll into the “Pay-As-You-Go” billing program (including step-by-step instructions).

Do I have to use a payroll provider to participate in InsurePay?

No! You can either utilize a payroll provider or self-report. While an interface with QuickBooks is not yet an option, InsurePay offers a simple template that you may use to import multiple entries at once.

Find an authorized Payroll Provider here: Payroll Provider List

Similar information can be found on the Insurepay website: https://insurepay.com/log-in/

What do I do if my current payroll processing company is not listed?If  your payroll company is not currently listed, have them contact InsurePay @ 866-951-5469 or support@insurepay.com for approval. Please note, neither ADP nor Paychex are eligible to participate. If you utilize either of these two payroll services, you can still participate in InsurePay, however, you will need to self-report your payroll.

Other Frequently Asked Questions:

Q. How much does it cost to participate in InsurePay?
A. Nothing! There is no additional charge to participate in InsurePay. If, however, you utilize the services of a payroll company, you may want to check with them to see if they charge a fee for this service.

Q. Will a final audit still be performed?
A. Yes! Final audits are performed on all policies, however, audit variances should be significantly reduced.

Q. How are final audit variances handled?
A.If an audit generates an additional premium, Lackawanna Insurance Group will bill the policyholder directly. Conversely, if a return premium is due, Lackawanna will issue a check, payable to the policyholder.

Q. What if I don’t have payroll to report for a payroll cycle?
A. You will still be required to access your InsurePay account and report $0 payroll for that reporting payroll cycle.

Q. How can I be assured that my personal and financial information will be secure?
A. Our InsurePay program is administered by InsureLinx, a leader in the Pay-As-You-Go, billing arena. All personal and financial data is transferred safely and securely through SSL encryption technology which exceeds industry standards.

Q. Who do I contact if I have a question regarding my InsurePay account?
A. Questions regarding your InsurePay account can be directed to:
InsurePay Support Team @ 866-951-5469, M – F, 8:00 am to 5:00 pm Eastern Time or by sending a message to: support@insurepay.com