Successful retail operations provide superior customer service, unique merchandise and a price that’s right. UPA offers a distinctive workers’ compensation product for your retail clients called UPAY-As-You-Go. There are no upfront costs since UPAY-As-You-Go eliminates annual premium down payments. Premium is based on actual payroll, not estimated payroll. UPAY-As-You-Go won’t go out of style and your client’s cash flow can improve with this unique payroll solution.

Target customers

• Furniture stores
• Electronics and appliances stores
• Tile and floor stores including installation
• Carpet stores
• Mattress stores

Program highlights

• Monoline workers’ compensation solution for your clients
• UPAY-As-You-Go innovative payroll solution
• A-rated carriers with access to national markets
• Loss control tools available to clients
  • manuals, safety tips & checklists
• Claims handling with proven cost reduction results

Underwriting guidelines

• New ventures
• Multi locations / Multi states eligible
• Accounts coming out of PEO are eligible
• We can entertain high experience mods

Submission requirements

• Completed ACORD application
• Currently valued loss information (3-5 years)
• Mod worksheet and large account supplemental for risks more than $75,000 in annual premium