Buy Workers Comp -

: Many businesses use their payroll service (e.g., Paychex or ADP ) to manage "pay-as-you-go" plans, which calculate premiums based on actual payroll rather than estimates.

: Most businesses buy from private carriers like The Hartford or Travelers . buy workers comp

: In most states, you must cover full-time, part-time, seasonal, and even family-member employees. : Many businesses use their payroll service (e