Housecall Pro offers access to pay-as-you-go workers’ compensation through our partner Coverdash. Pay-as-you-go workers’ compensation helps eligible payroll businesses manage workers’ comp coverage based on actual payroll, instead of estimating annual payroll up front.

This article covers how pay-as-you-go workers’ compensation works, who Coverdash is, how to get started, and how to manage your policy after purchase.

Workers’ compensation insurance helps cover medical costs and lost wages if an employee is injured on the job. Requirements vary by state, but many businesses with employees are required to carry workers’ compensation coverage.

With pay-as-you-go workers’ compensation, your premium is based on payroll activity. Instead of estimating your annual payroll up front, premiums are calculated using the wages you run through payroll.

With a traditional annual workers’ compensation policy, your premium is usually based on an estimate of your annual payroll. Because the estimate is made up front, you may need to pay a larger deposit when the policy starts. At the end of the policy period, your payroll may be reviewed, and your final cost may be adjusted based on your actual wages.

With pay-as-you-go workers’ compensation, your premium is based on the payroll you run through Housecall Pro. This means your workers’ compensation cost can adjust as your payroll changes, helping reduce the likelihood that you’ll face a large, unexpected bill when the plan is audited at policy-end

Coverdash is Housecall Pro’s business insurance partner. Coverdash is a digital insurance agency that connects field service businesses with hundreds of top-rated insurance carriers nationwide, purchase policies, and provides support from licensed agents.

For pay-as-you-go workers’ compensation, Coverdash helps generate your quote, issue your policy, and service the policy after purchase.

Housecall Pro partners with Coverdash to make it easier for Pros to access business insurance directly from their Housecall Pro account.

For pay-as-you-go workers’ compensation, Housecall Pro securely shares the payroll-related information needed to generate an accurate quote and support the policy. Coverdash uses that information to calculate your workers’ compensation premium based on your payroll and employee classifications

Pay-as-you-go workers’ compensation may be available if:

Using Housecall Pro for pay-as-you-go workers’ compensation can help you:

Because pay-as-you-go workers’ compensation is connected to payroll, your premium can adjust as your team and wages change.

If you already have a workers’ compensation policy, you may be able to change the Broker of Record and manage that policy within Housecall Pro.

To get started:

Once submitted, Coverdash will help process the Broker of Record change. After the policy is connected, you’ll be able to manage it within Housecall Pro and view the existing policy details from the Insurance tab under My Money.

To be eligible for pay-as-you-go workers’ compensation, you need to be on HCP Payroll and have run payroll at least once.

You can then start setup from any of the following places in Housecall Pro:

Each entry point will take you into the same setup flow.

Before you can receive a quote, each payroll employee needs a workers’ compensation classification.

These classifications help determine the workers’ compensation rate for each employee based on the type of work they perform. Housecall Pro may suggest a classification based on the employee’s role, but you should review each one for accuracy.

For each employee, you can:

Contractors do not need a workers’ compensation classification.

After your employee classifications are confirmed, Coverdash will use your payroll information to generate a quote.

You’ll be able to review available coverage options directly in Housecall Pro. Your quoted premium is based on your payroll data, employee classifications, and carrier requirements.

Once you review your quote, you can choose whether to purchase the policy through Coverdash.

After the policy is purchased, your workers’ compensation policy will appear in Housecall Pro. You’ll be able to view policy details from the My Money > Insurance page.

Your policy tile may show details such as:

It’s important to keep workers’ compensation classifications accurate as your team changes.

Changes to classifications may affect future premium calculations.

To file a claim, go to the Insurance page in Housecall Pro and select Get Help. You’ll be directed to Coverdash support, where you can sign in and submit claim details.

Coverdash will help facilitate the claim request with the insurance carrier.

No. Workers’ compensation classifications are only required for W-2 payroll employees. Contractors and app-only team members are not included.

Because pay-as-you-go workers’ compensation is based on payroll, your premium may change as wages, employee classifications, or your team changes.

Your policy is issued and serviced through Coverdash. For questions about coverage, billing, claims, or policy details, contact Coverdash through the Get Help option on the Insurance page in Housecall Pro.