Business Details
16 Years
experience
Trusted Insurance Premium Billing Solutions
Founded in 2010, SmartPay has established itself as the industry-leading provider of Pay-As-You-Go (PayGo) premium billing solutions for workers' compensation and other commercial insurance lines. Our purpose-built platform serves insurance providers, agents, payroll companies, and policyholders, delivering accurate, flexible, and audit-ready payment systems. With 80+ insurance providers, 3,000+ agents, 400+ payroll companies, and 35,000+ active policyholders relying on our services, we combine real-world insurance expertise with cutting-edge technology to transform premium billing processes. Our in-house development team ensures continuous innovation while maintaining SOC-certified security standards that protect sensitive policyholder data. We operate as strategic partners to our clients, offering dedicated Monday-Friday support from 8:00 AM to 8:00 PM EST and tailoring solutions to meet specific business needs.Our PayGo model eliminates audit surprises through real-time premium calculations based on actual payroll data, while our Payroll Reporting Service accommodates policyholders using non-integrated payroll providers. With nationwide scalability and seamless system integration capabilities, we provide the flexibility and reliability required by businesses of all sizes. Our leadership team brings decades of combined experience across insurance, finance, payroll, and technology sectors, ensuring our solutions remain at the forefront of industry innovation. We maintain membership in professional organizations and adhere to strict compliance standards, demonstrating our commitment to operational excellence. Through continuous platform enhancements driven by user feedback, we ensure our technology evolves to meet changing market demands while maintaining the personalized service that has made us the industry's top choice.
Services
Pay-As-You-Go Billing
Installment Plans
Real-Time Calculations
Payroll Reporting Service
Policyholder Solutions
Agent Support
Insurance Provider Integration
Audit Preparation
Technology Platform
Customer Support
Details
- Year established: 2010
Highlights and features
- We offer real-time premium calculations that improve cash flow management and ensure audit-ready accuracy.
- Our flexible reporting options accommodate nationwide payroll partners and self-reporting requirements.
- We provide multiple billing solutions including PayGo and installment plans for improved client retention.
- Our best-in-class Customer Experience Team offers dedicated support Monday-Friday, 8:00 AM-8:00 PM EST.
- We maintain SOC-certified security standards to protect sensitive policyholder data with industry-leading safeguards.
Associations and certifications
- SOC Certified
What people say
Streamline billing
Seamless integration
Exceptional partnership
Improved cash flow
Audit-ready accuracy
Services
Pay-As-You-Go Billing
Our Pay-As-You-Go billing system calculates insurance premiums based on actual payroll data in real time. This approach eliminates audit surprises by matching payments to current business exposures while improving cash flow management. Policyholders benefit from automated billing that aligns with payroll cycles, reducing administrative burdens and financial uncertainty.
Payroll Reporting Service
The SmartPay Payroll Reporting Service accommodates policyholders using non-integrated payroll providers. We handle payroll reporting for major platforms like ADP and Paychex, ensuring accurate premium calculations without requiring system changes. This service maintains audit-ready records while preserving clients' existing payroll relationships through automated data processing and verification.
Insurance Provider Solutions
We help insurance providers enhance policyholder satisfaction through flexible billing options and streamlined premium collection processes. Our platform supports multiple coverage types with variable exposure requirements while maintaining compliance with industry standards. Providers gain access to scalable technology that integrates with existing systems and adapts to evolving business needs.
Agent Support Programs
Our agent-focused solutions provide partners with tools to expand their service offerings and grow client relationships. Through dedicated support and flexible billing options, we help agents improve client retention while simplifying premium payment processes. Our platform enables seamless collaboration between agents, policyholders, and insurance providers through integrated workflow management.
Technology Platform
Our purpose-built SaaS platform delivers secure, scalable insurance billing solutions with U.S.-based development support. The system features real-time data processing, customizable reporting options, and SOC-certified security protocols. Designed for integration with existing infrastructure, our technology adapts to diverse business requirements while maintaining reliability and regulatory compliance across all user segments.
People
Bob Conerly
Chief Executive Officer
Brings extensive insurance industry leadership experience to SmartPay's strategic direction. Focuses on maintaining our position as the leading PayGo solution provider while driving technological innovation and operational excellence across all business functions.
Dino Carbone
Executive Vice President, Sales & Marketing
Leads sales and marketing initiatives with deep expertise in insurance technology solutions. Focuses on expanding our market presence while maintaining strong relationships with insurance providers, agents, and payroll partners nationwide.
Jim Mooney
Chief Technology Officer
Oversees technology development with specialized knowledge in secure SaaS platform architecture. Ensures continuous innovation in our billing solutions while maintaining SOC-certified security standards and system reliability.
Dane Johnston
Controller
Manages financial operations with expertise in insurance accounting practices. Focuses on maintaining fiscal responsibility and accurate financial reporting while supporting business growth initiatives across all service lines.
Questions
What is Pay-As-You-Go insurance billing?
Pay-As-You-Go (PayGo) calculates premiums based on actual payroll data rather than estimates, improving cash flow management and eliminating year-end audit adjustments through real-time calculations.
How does SmartPay's Payroll Reporting Service work?
Our Payroll Reporting Service handles payroll data submission for non-integrated providers like ADP and Paychex, ensuring accurate premium calculations without requiring system changes or additional administrative work.
What benefits does SmartPay offer insurance providers?
Providers gain flexible billing options, streamlined premium collection processes, and improved policyholder satisfaction through our audit-ready platform that supports multiple coverage types and integrates with existing systems.
How can agents benefit from SmartPay's solutions?
Agents access tools to expand service offerings, improve client retention, and simplify premium payments through integrated workflows that enhance collaboration between all insurance ecosystem participants.
Is SmartPay's platform secure and compliant?
Our SOC-certified platform maintains strict security standards with industry-leading safeguards, ensuring data protection and regulatory compliance while supporting continuous technological innovation and system reliability.
