Terms of service

What we do

Premium Pilot is a pay-as-you-go workers' compensation premium reporting service. Each payroll, it calculates the premium from actual payroll by class code, reports it to the employer's workers' comp carrier, and collects and remits the payment, for a flat $10 per payroll run. It connects to the employer's payroll provider and carrier and pulls each payroll report itself, so the employer sends nothing each pay period. Premium Pilot is not an insurance carrier, agency or payroll provider.

Fees

• $10 per payroll run.
• $0 setup.
• $0 when a pay period has no payroll.
• $40 per returned debit.
• ACH bank debit, no card surcharge.
• One payroll run = one pay date for one policy. Off-cycle and multi-policy handling: confirmed during setup.

Pricing current as of October 2026. Premium Pilot's fee is separate from your insurance premium, which your carrier sets.

Our promises

• No contract. Cancel any time. Your carrier still needs payroll reports, so we tell you the date your last report goes out and help you hand over to your carrier's portal or another service.
• Our fee is waived on your first payroll run. Your premium is still due to your carrier.
• Your fee stays at $10 per payroll run for 24 months.

Your responsibilities

Your premium depends on payroll information that must be accurate and on time. Late or missing reports can lead to estimated charges or cancellation by your carrier.

How money moves

Each payroll, we debit your bank account by ACH for your premium and our fee, then remit the premium to your carrier. Your carrier, not Premium Pilot, sets your premium and posts your payments.

You sign one authorization form during setup, and we debit your account only as that form allows.

What we are not

Premium Pilot is not an insurance carrier, agency or broker, and is not a payroll provider. We do not sell insurance, and we do not change your policy, coverage, rates or carrier.

Availability

Premium Pilot is not available in North Dakota, Ohio, Washington, Wyoming, Puerto Rico or the US Virgin Islands. Workers' comp there comes from a state fund, not private carriers. Each pay period, we get your payroll report from your payroll provider, so your payroll must track wages by class code.

Sending a request through this website does not by itself create a contract.

Using this website

By using this website, you agree to these terms. If you do not agree, please do not use it. When you use it, you agree to:

• follow the law
• give us correct information when you use the form
• not send spam or false requests
• not try to break, overload or get into parts of the site that are not meant for you

This website is here to give you general information. It is not insurance advice, legal advice, tax advice or financial advice. Workers' comp rules differ by state and by carrier. For advice about your own situation, talk to your carrier, your agent or a qualified professional.

The calculator shows estimates. Your carrier's rules and your payroll decide your actual premium and any deposit. Content on this website is provided "as is" and "as available," without warranties of any kind, express or implied. We try to keep it correct and up to date, but we do not promise that it is complete, current or without errors.

Other companies, links and trademarks

Some parts of this website compare Premium Pilot's fees with a competitor's. Other companies' prices and terms can change and can differ by carrier or program, so check with them before you decide. If you think something we say about another company is wrong, tell us and we will review it.

All trademarks belong to their owners. Links to other websites are there for your convenience. We do not control those sites and are not responsible for what they say.

Limits on our responsibility

To the extent the law allows, Premium Pilot is not responsible for losses that come from using this website or relying on it. That includes indirect or consequential losses, such as lost profit or lost business. Nothing in these terms limits any responsibility that the law does not allow us to limit.

Changes to these terms

We may change these terms. When we do, we will post the new version here and change the date below. If you keep using the website or the service after that, you accept the new terms.

A change will not raise your fee during your 24-month price lock, and will not take away a promise above from anyone who has already started setup.

Contact

Questions about these terms? Use the Get Started form. We reply by email, so you can ask your question in your reply.