Business Insurance

APS provides a variety of insurance services for your business and for your employees.

General​ ​liability​ ​insurance​ ​(GL),​ ​often​ ​referred​ ​to​ ​as​ ​business​ ​liability​ ​insurance​,​ ​is coverage​ ​that​ ​can​ ​protect​ ​you​ ​from​ ​a​ ​variety​ ​of​ ​claims​ ​including​ ​bodily​ ​injury,​ ​property damage,​ ​personal​ ​injury​ ​and​ ​others​ ​that​ ​can​ ​arise​ ​from​ ​your​ ​business​ ​operations.

Workers​’ compensation​ ​insurance​ ​(workers’ ​comp ​or ​workman’s ​compensation ​insurance) ​is ​a mandatory ​type ​of ​insurance ​carried ​by ​many ​businesses.

APS​ ​has​ ​payroll​ ​platforms​ ​that​ ​integrate​ ​with​ ​the​ ​worker’s​ ​compensation​ ​insurance​ ​carriers.
This​ ​allows​ ​companies​ ​to​ ​utilize​ ​Pay​ ​As​ ​You​ ​Go​ ​Worker’s​ ​Compensation.​ ​Workers compensation​ ​insurance​ ​payments​ ​are​ ​submitted​ ​per​ ​payroll​ ​based​ ​on​ ​actual​ ​wages eliminating​ ​the​ ​upfront​ ​deposit​ ​and​ ​minimizes​ ​the​ ​audit​ ​at​ ​the​ ​end​ ​of​ ​the​ ​policy.

Workmen’s​ ​Compensation​ ​Audits
The annual premium audit (sometimes known as the payroll audit) determines your company’s actual Workers’ Compensation insurance premium for the policy period, as opposed to the estimated premium originally used on the policy. The annual premium audit (sometimes known as the payroll audit) determines your company’s actual Workers’ Compensation insurance premium for the policy period, as opposed to the estimated premium originally used on the policy. At the end of the audit a company usually has a difference in wages then what was estimated. Then either money credited or debited based on the outcome of the audit.

APS​ ​provides​ ​the​ ​service​ ​of​ ​preparing​ ​all​ ​the​ ​payroll​ ​paperwork​ ​requested​ ​by​ ​the​ ​auditor for​ ​clients​ ​not​ ​utilizing​ ​the​ ​Pay​ ​As​ ​You​ ​Go​ ​Worker’s​ ​Compensation.

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