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Reliable Premium Management
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Reliable Premium Management
Contact Us
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Pay-As-You-Go Workers' Compensation Made Easy

The most flexible Pay-As-You-Go Workers' Compensation solution in the country – any payroll provider, any insurance agent or broker, and over 40 carrier options!

For over 15 years, Reliable Premium Management (RPM) has been helping agents and brokers compete and thrive in the workers’ compensation space. Our Pay-As-You-Go Workers’ Compensation program is designed to give your clients payment flexibility, reduce audit exposure, and provide a seamless experience — all while helping you maintain and strengthen your client relationships.

Whether your clients are being targeted by PEOs or bundled payroll-insurance offerings, RPM provides a truly independent Pay-Go solution that keeps you at the center of the relationship.

Ideal Accounts and Appetite

RPM’s Pay-As-You-Go program is available in all 50 states and Washington, DC, and is built to serve a wide range of industries. This program is ideal for:
  • Small to mid-sized businesses that want to improve cash flow
  • Clients with seasonal or fluctuating payrolls
  • Businesses already using a third-party payroll provider
  • Accounts that want to avoid large audit surprises
You might have a client in construction, staffing, or home health care who struggles with high upfront premiums. With RPM’s Pay-Go model, you can offer them a better way to manage workers' comp costs in real time.

Coverage Highlights and Advantages

Program Features: - Flexibility – Premiums paid as payroll is processed
- Low or no upfront costs (carrier-specific)
- Quick and easy setup process
- No commission splitting – you keep your full relationship
- Accurate and timely payroll-to-premium reporting
- Fewer surprises at audit time
- Compatible with any payroll provider

What Sets RPM Apart?

Most Pay-Go programs are tied to specific payroll vendors or insurance carriers. RPM is different. We integrate directly with your client’s existing payroll system — no need to switch providers. This makes onboarding fast and frictionless.

We also provide hands-on service and a dedicated team that supports both you and your client throughout the policy lifecycle. Our goal is to keep you in control of your client relationship while delivering a premium experience for your insureds.

Underwriting Notes and Minimum Premiums

RPM works with more than 40 insurance carriers, offering a wide appetite and flexible underwriting. While minimum premiums vary by carrier, many accounts can qualify with low upfront costs and no deposit requirements. The program is available to both standard and harder-to-place classes, depending on carrier eligibility.

Territories and Availability

Our Pay-As-You-Go Workers' Compensation program is available in all 50 states and Washington, DC, including AL, AZ, CA, FL, GA, IL, NY, TX, and beyond. Wherever your client is located, RPM can help.

Why Work With Reliable Premium Management?

RPM is an independent premium management partner focused solely on helping agents and brokers succeed. We don’t compete with you — we empower you. With unmatched flexibility, broad carrier access, and a commitment to customer service, we make Pay-Go workers' comp simple and profitable for you and your clients.

Learn more about Reliable Premium Management or start placing business today.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Small to mid-sized businesses with variable payroll, seasonal staff, or cash flow concerns are ideal. Industries like construction, staffing, and home healthcare often benefit most.

Can my client keep their current payroll provider?

Yes. RPM integrates with any payroll provider, so your client doesn’t need to switch systems to participate in the Pay-Go program.

Do I need to split commissions to use this program?

No. RPM does not require commission splitting. You retain full control of your client relationship and compensation.

Are there minimum premium requirements?

Minimum premiums vary by carrier, but many accounts can qualify with low or no upfront cost. Contact RPM to discuss specific account scenarios.

Is this program available in all states?

Yes, RPM’s Pay-As-You-Go Workers’ Comp program is available in all 50 states and Washington, DC.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
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    All Available States
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CONTACT INFORMATION

LOCATION

404 Great Oak Drive
Waite Park, MN 56387
888-731-8703
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Reliable Premium Management has other insurance programs like Audit Reviews.