API Workers Compensation

Workman's Compensation

API has access to all the major Workers' Compensation carriers to ensure you get both the best policy for your business as well as the best price available.

Workers' Compensation is designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation. Workers' Compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

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Why guess? Know.

What is SmartCompSM? Business hates surprises. So does SmartCompSM. Rather than paying estimated premiums based on projected payroll for a coming year, SmartCompSM customers pay exactly what they owe based on actual payroll figures. No more and no less means no year-end audit surprises. Smart. And instead of making hefty down payments and writing separate premium checks to the insurance company throughout the year, SmartCompSM customers have their payments deducted automatically during their regular payroll run, through their regular payroll provider. Done. Is SmartCompSM for me? If paying exactly what you owe exactly when you owe it, automatically, through your payroll provider sounds like smart business, SmartCompSM is for you – regardless of your business patterns. If you run a seasonal business or have significant staffing fluctuation during the course of the year, SmartCompSM is the only workers’ compensation product for you. As a cash flow management tool, it allows companies to align resources and to pay for only the coverage they need on a per pay period basis. Why SmartCompSM? Simple: Roots and Technology. SmartCompSM sprung from insurance beginnings – not payroll – so we understand the business of workers’ compensation. We think that’s an important distinction. Also, unlike other payroll deduct products, SmartCompSM is fueled by the most advanced, proprietary insurance technology available today. Our entire process is automated – start to finish – and resides online. This means completely transparent, seamless and real-time access for our customers – from tracking payroll runs, premium developments and payments applied to filing claims and issuing certificates. In today’s fast paced, slim-margined business climate, we can’t think of a smarter set of qualifications to have from your workers’ comp provider.