Workers Compensation

Pay with Actual Payroll


With The Hartford’s XactPAY®1, you can pay your Workers’ Compensation premiums on actual payroll instead of last year’s headcount.

Better Cash Flow


Your cash flow won’t be restricted by a large down payment or premiums based on inflated payroll numbers from prior years.

The Hartford Certified Partner


The Hartford leads the industry in the pay-as-you-go workers’ compensation space by being the first to offer this method in 1997.

How it works


Component Traditional Method XACTPAY®
Down payment Up to 25% down payment required Zero down
Payment type Estimated payments derived from payroll projections for the year Accurate payments based on actual payroll
Premium payment schedule Paid monthly, quarterly or annually Paid automatically after each payroll
Financing charges Yes No
Late fees Yes, may apply No
Post audit adjustments Potentially costly adjustment if payroll was underestimated Simplified – no adjustments
Policy comparison based on an average premium of $3,000 Startup Fees: $1,000 total down payment Startup Fees: $250 total down payment

Benefits for your Business


  • Eliminates large premium down payments
  • Minimizes audit adjustments
  • Premium is calculated on actual payroll
  • No monthly billing or finance fees
  • Efficient online options – like online audit and premium wage reports – that help save you time
  • Improved cash flow management

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