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Pay-As-You-Go Workers' Comp
Pay-As-You-Go Workers' Comp

Is your Worker’s Comp policy with a payroll company? They might be great for payroll, but would you want them to handle your insurance claim? Neither would we!

As an independent agent, the MVR Insurance Agency has almost 100 years building and maintaining relationships with our carriers. We work for you to make sure your business is protected.

MVR along with The Hartford and SmartPay allows you to choose Pay-As-You-Go Workers’ Comp with Paychex or any payroll provider.


Why Choose XACTPAY®: The Hartfords Pay-As-You-Go Workers’ Comp

Compared to an estimated annual payroll amount, The Hartford’s XactPAY option
relies on real-time payroll to calculate your workers’ comp premiums, resulting in
more accurate premium payments. This means you’re less likely to pay more than
you need to throughout the year – or have an audit* adjustment at the end of your
policy term due to under-reported payroll.

SmartPay Reporting Service (SPRS) allows you to choose pay-as-you-go workers’
comp no matter which payroll provider you use.
SmartPay does all the work.


Here’s how it works:

  • Complete the SPRS registration form and email the form to SmartPay.
  • SmartPay will contact you to gather banking information and determine the best way to get your payroll report based on your payroll provider.
  • SmartPay shares your payroll data with us each time it’s run.
  • We calculate your owed premium based on your exact payroll and send you
    a “Withdraw Notification” email to let you know the amount due before the
    withdrawal occurs.
  • We automatically deduct your premium from your bank account after each payroll cycle.

* All workers’ compensation policies require a premium audit.


With XACTPAY, there are:

  • NO down payments
  • NO monthly billing or finance fees
  • NO service charges
  • NO more late payments
  • Minimal premium audit adjustments
  • And… we have a solution regardless of payroll provider.

SmartPay Does All the Work


Once the customer is registered, SmartPay will handle everything else, like transmitting payroll to The Hartford as payroll is run and handling employee roster adds and changes.



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