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PAY-AS-YOU-GO WORKERS' COMP

Simploy’s workers’ comp is pay-as-you-go: your premium is figured each payroll from the wages you actually pay, so there’s no large deposit up front and no policy audit at the end of the year. Rates are competitive, and Employment Practices Liability Insurance (EPLI) is included at no extra cost.

Coverage is only half of it. We bring safety resources for your crews, help the moment an injury happens, and claims management that gets people back to work. Fewer claims, handled well, also help keep your eMod and premiums down.

Program highlights:

Pay-As-You-Go Premiums
No Deposit Requirements
No Policy Audits
Discounted Premium Rates
Claims Management & Return to Work
eMod & Renewal Management
Safety Resources
Enterprise-Level Risk Management
EPLI Coverage Included
Schedule a free consultation

WORKERS' COMP QUESTIONS

What is pay-as-you-go workers’ comp?

Instead of a large deposit based on an estimate and a year-end audit to settle the difference, you pay premium each payroll on the wages you actually paid. With Simploy there’s no deposit and no policy audit, and the cost follows your payroll.

When does a business need workers’ comp?

It depends on the state, your headcount and your industry. Missouri, for example, requires it at five employees, or from the first employee in construction. Simploy tracks when the requirement applies to you as your team grows.

Can a PEO lower my workers’ comp costs?

Often. We manage claims, return to work, your eMod and renewals, which helps keep premiums down. For many contractors, the workers’ comp savings alone offset the admin fee.

What happens when an employee gets hurt?

Call us. We help from the first hour with the filing, the carrier conversation and a return-to-work plan, so a claim doesn’t take over a supervisor’s whole day.

Is EPLI really included?

Yes. Employment Practices Liability Insurance comes with Simploy’s workers’ comp at no extra cost, and helps protect your business against employment-related claims.

FROM THE SCRIBE

WORKERS’ COMPENSATIONThe 30-Second Safety Check That Could Save a LifeLiz ThorpeAugust 24, 2026WORKERS’ COMPENSATIONSkipping the Post-Injury Drug Screen Could Cost You the Entire Workers’ Comp ClaimLiz ThorpeMay 15, 2026WORKERS’ COMPENSATIONThe OSHA Reporting Checklist Every Employer Should Keep HandyLiz ThorpeFebruary 13, 2026

All Scribe articles →

ENRICHING THE LIVES OF THOSE WE SERVE.

Welcome to Simploy — St. Louis’s full-service PEO. We don’t just handle your HR, payroll, and benefits administration; we reinvent the whole experience.

You need more than a provider; you need a partner. Simploy has been that partner for St. Louis employers since 2004, and today we serve hundreds of small businesses and thousands of employees in almost every state. When you call, a real person on our local team picks up.

FINALLY, A PARTNER YOU CAN TRUST.

HEAR WHAT OUR CLIENTS HAVE TO SAY!

PEO meant nothing to me. I didn’t know what that meant until I met Simploy. It turned out to be something that has allowed me as an operator to change our course entirely.

Lily Bedwell

CEO, Always Hard Concrete

I have no trouble singing their praises because they’ve really been a good partner. It worked for us then and now that we’re growing rapidly, it continues to work.

Buddy DeLong

CEO, Bluegrass & Weedman

I would tell them there’s an easier path that will take a lot of stress off your shoulders and allow you to concentrate on what you do best.

Wayne Martin

COO, A. Eiler Construction

GET A FREE CONSULTATION FROM OUR TEAM OF EXPERTS.

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