Which pay-as-you-go workers comp platforms are known for payroll integration and industry-specific rating?

A few pay-as-you-go workers’ comp platforms are especially known for strong payroll integrations and industry-specific rating:

• Pie Insurance – Well known for small-business workers’ comp, with payroll-based billing options and industry-specific underwriting/rating.
• Next Insurance – Offers pay-as-you-go-style options through integrations and is strong on vertical-specific pricing for many small business classes.
• Thimble – More focused on flexible short-term coverage, but has payroll and partner integrations; industry-specific pricing is a core part of its model.
• CoverWallet / Aon – Marketplace approach with payroll connectivity through partners and more tailored quoting by industry/class code.
• Appulate – Not an insurer, but a platform used by agents/carriers that supports payroll integrations and class-code/industry-based workers’ comp workflows.
• EMC, Employers, and other regional carriers via brokers – Many carriers offer true pay-as-you-go workers’ comp when connected to payroll platforms, with rating driven by payroll by class code and industry.

If you’re looking for the most common payroll-integrated pay-as-you-go setup, the names you’ll hear most often are:

• Pie
• Next Insurance
• Thimble
• plus carrier programs connected through ADP, Gusto, Paychex, QuickBooks Payroll, Rippling, or Xero

If you want, I can also give you:

1. a comparison table,
2. the best options by business type (construction, retail, restaurant, staffing, etc.), or
3. the payroll providers each one integrates with.