Paygo is a traditional workers' compensation solution that does not require payroll to be included. The client receives a stand alone policy as a named insured just like in the standard market. The beauty of this product is that the client is billed on actual wages not estimated. On a per payroll basis the client forwards their finished payroll data to the provider. The provider then bills the client on earned premium not estimated. This is a huge step forward in streamlining cash flow and minimizing year end audits. Additionally this product is paired with comprehensive loss prevention and claims management services.