Pay-As-You-Go Workers' Comp Has Always Made Sense. Nobody Built It Right. Until Now.

Workers' comp has always been a pain to source. Not because it's complicated in theory - every business with employees needs it, carriers know how to price it, and the data required to underwrite it exists. The problem is where that data lives.

Payroll platforms process employee classifications, wages, and hours every two weeks like clockwork. That's exactly what a workers' comp policy is built on. Yet for as long as both have existed, the two have had nothing to do with each other. Business owners have been left to estimate their annual payroll upfront, find a broker, manage a policy on a separate platform, and reconcile everything at year-end audit. Every year.

That friction isn't a flaw in the system. It is the system. Until now.

What we Built

A lot of insurtech companies build a standalone product first, retrofit an API layer on top, and call it embedded. Businesses can feel when insurance has been bolted on as an afterthought. It shows in the UX, the data handoffs, and every interaction that follows. Coverdash has never built that way. Every product we've ever shipped was designed to live inside another platform from day one, not alongside one.

That distinction matters most here.

Coverdash embeds directly inside the payroll platform. When a business first runs payroll, Coverdash is already there, using live payroll data to query 30+ pay-as-you-go carriers simultaneously and surface the lowest available rate for that specific workforce. No forms. No broker. No separate application. One click to opt in, and premiums sync automatically with every payroll run from that point forward.

The audit disappears. The business never leaves the platform they're already in. The insurance experience feels native to the product they're already using, because it is.

How it works

1. One integration unlocks everything. Any platform with a payroll component can embed Coverdash through a single backend integration. Workforce and payroll data flow in automatically, pay-as-you-go workers' comp and Coverdash's full commercial suite, live in one shot.
2. Real payroll data. Live market pricing. Instantly. When a business first runs payroll, Coverdash queries 30+ carriers simultaneously using actual workforce data and surfaces the lowest available rate in real time.
3. One click to opt in. The best available quote appears directly inside the payroll workflow. One click. The business never leaves your platform.
4. Premiums that move with the business. Workers' comp premiums calculate automatically from actual payroll each cycle. No estimates. No audits. Coverage stays in sync as the business grows.
5. COI on demand. Always. Certificates of insurance live inside the platform, downloadable whenever they're needed.

What it Produces

Over 80% of businesses opt in when Coverdash is presented at the point of payroll. That number has held for over a year across top partners. Today, dozens of payroll platforms have deployed Coverdash's embedded pay-as-you-go workers' comp, part of a broader network of 150+ partners running Coverdash's embedded insurance infrastructure across commercial lines.

The demand for workers' comp was never the problem. Business owners need it, they know they need it, and when the experience is seamless enough, they take it. The friction was always the distribution model, not the product. Fix the distribution and the conversion follows.

For platform partners, that translates to something concrete: the lowest-friction path to a full embedded insurance suite, one integration, one backend, proven across 150+ partners. Workers' comp is the entry point. Everything else follows through the same pipe.

The platforms moving first are establishing the default insurance relationship with SMBs in a category every competitor will eventually have to build for. The infrastructure is here. The conversion data is in market.

The only question is whether your platform is next. Partner with Coverdash

About Coverdash

Coverdash is a fully digital business insurance agency that specializes in serving the insurance needs of businesses of all shapes and sizes. Coverdash's embedded technology enables any partner to host its end-to-end insurance experience with a single line of code. Coverdash is headquartered in New York and is a licensed insurance agency across all 50 states.

Interested in partnering with Coverdash? Check out: https://www.coverdash.com/partner