What is the formula for pro-rating?

It's easy to add an employee or independent contractor at any time by logging into your account and clicking the Add Employees/Services button. As soon as the addition is made, your insurance certificate is updated. You can print a new one at any time.

The premium is pro-rated for each employee or independent contractor as follows from the time of the addition is made until your insurance certificate expires:

  • During the first 3 months: $90
  • After 3 months, but less than 6 months: $71
  • After 6 months, but less than 9 months: $50
  • After 9 months: $29