Pay As You Go Workers Compensation · Arizona
Workers Comp That Follows Your Payroll — Not Your Guesswork
Through our partnerships with ADP, PayChex, and other payroll companies, we can recommend a Pay As You Go option so your workers compensation premiums are paid as you process payroll. That means no huge deposit, no audits at the end of the policy, and more time to focus on growing your business.
The problems most Arizona businesses run into
If any of these sound familiar, you're not alone — and you're almost certainly overpaying.
Huge upfront deposit
Traditional workers comp asks for a big check on day one, based on estimated payroll — even if your real payroll ends up much lower.
Year-end audit surprises
If you underestimated payroll or class codes were off, you owe the difference at audit. Often thousands.
Cash flow shock
One giant premium payment can strain a small business. Pay As You Go smooths that out.
Payroll and comp aren't talking
Manual wage reporting causes errors. When workers comp lives inside payroll, the data matches.
Not sure if you're overpaying? Let's find out — free.
Send us your current policy and we'll shop the Arizona market. If we can't beat it, we'll tell you.
How we solve it
A broker works for you, not the carrier. Here's what that looks like in Arizona.
Premium tied to real payroll every pay period
Instead of estimating, we calculate premium from actual wages you run through payroll. Right amount, every time.
Almost nothing down to start coverage
Skip the big deposit. Start coverage and let premium flow through payroll from day one.
Fewer surprises at audit time
Because premium matches actual payroll all year, audits become a formality — not a bill.
Compatible with ADP, PayChex, and more
We're a broker, not a payroll company. Whichever provider fits, we plug the workers comp into it.
What you actually get when you work with Lucas Arizona Insurance
- No large upfront deposit
- Premium recalculates each pay period on real wages
- Dramatically fewer year-end audit surprises
- Cash-flow-friendly for growing Arizona businesses
- Streamlined wage reporting through payroll
- Class-code review included
- Multiple A-rated carriers shopped
- Same-day certificates of insurance
- Free consultation with a licensed Arizona broker
Ready to stop guessing and start paying workers comp the smart way?
Send us your current policy and we'll show you what Pay As You Go would look like in real numbers.
Get a Free Arizona Workers' Comp Quote Today
Talk to a licensed Arizona broker. No pressure, no obligation — just a better policy at a better rate.
Frequently Asked Questions
Straight answers from a licensed Arizona insurance broker.
Related coverage for Arizona businesses
Most of our clients bundle two or three of these. It usually saves money.