TPM's Pay-As-You-Go Program offers a worry-free solution to the traditional management of New Jersey Workers Compensation Insurance.

With our program there are no up-front deposits. Traditional New Jersey Workers Compensation policies require a significant up front payment (Sometimes as much as 3 months of premium costs) to get a policy in place. That is why our program is the solution you need!

The Pay-As-You-Go Program works just the way taxes are handled -- calculating Workers Compensation and Liability Insurance based on the actual payroll. These elements are then bundled into your existing payroll at a significant savings.

TPM uses a cutting-edge process to calculate New Jersey Workers Compensation and Liability Insurance that includes job classifications, claims records and other factors, calculating them with each payroll. The program is 1-2-3 simple. After plugging your employees into the system:

You look back each week to see who in your company  worked. Document the classification code they worked under. Report the hours they worked. It's that simple!

There are no surprises and you won't have any audit or large lump sum payments either up-front or at the end of the year! The Pay-As-You-Go Program eliminates those large up-front deposits, “best guess” premiums, hassle-filled audits and the dreaded year-end payments.

• TPM will manage the calculation and payment of premiums for your New Jersey Workers Compensation and General Liability responsibilities in a bundled payroll program.

• Premiums are bundled with each payroll,  just like payroll taxes - based upon actual payroll.

• Our cutting edge system provides custom solutions for each state and classification code.