📝 Overview
Workers' compensation insurance (workers' comp) is a type of required insurance that employers must hold to protect workers who are injured or become ill on the job. DaySmart Payroll partners with NEXT Insurance to offer workers' comp coverage as part of the payroll service.
Click the link below to learn more about NEXT Insurance.
💡 Employers who have DaySmart Payroll manage their policy benefit from a pay-as-you-go plan. You are billed based on actual payroll amounts processed rather than an upfront estimate, and DaySmart Payroll handles payroll reporting to NEXT on your behalf.
📍 Supported States
Workers' comp through DaySmart Payroll is available in all U.S. states except the following four, which operate state-run programs:
Ohio
North Dakota
Washington
Wyoming
🛠️ Requesting a New Policy Quote
If you do not already have a workers' comp policy, or if your existing policy was not originally obtained through NEXT, start by requesting a quote. Contact DaySmart Support to submit the request and have the following information ready:
Business name
Contact name
Contact phone number
Contact email address
First pay date with DaySmart Payroll
Payroll frequency
💡 After the request is submitted, the NEXT team will contact you directly by email and phone within 1 to 3 business days to set up your policy.
🔧 Transferring an Existing NEXT Policy
If you already have an active workers' comp policy through NEXT, you can request a policy transfer rather than applying for new coverage. Contact DaySmart Support to submit the request and have the following information ready:
Primary contact name
Email address
Contact phone number
Business name
Policy number
Provider the policy is currently under
⚙️ Policy Setup
Once the policy is finalized between NEXT and your business, NEXT will send DaySmart Payroll a policy confirmation. Your account will then be updated with the workers' comp details, and your future payrolls will be included in DaySmart Payroll's reporting process. Payroll reporting is submitted directly to NEXT on your behalf twice per week.
❓ Frequently Asked Questions (FAQs)
Find answers to common questions or additional details that may not be covered in the main instructions.
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How long does it take to get a new policy quote?
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After the quote request is submitted, the NEXT team will reach out to you by email and phone within 2 to 5 business days. The full new policy process typically takes 7 to 10 business days.
How long does a policy transfer take?
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Policy transfers require a mandatory 5-business-day waiting period from the original policy broker before any change of record can take place. The full transfer process typically takes 10 to 12 business days.
What carriers does NEXT work with?
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NEXT works with the following carriers: NEXT, AmTrust, Hartford, Guard, Pie, Employers, and Pinnacol (CO State Fund).
What industries are not supported through NEXT carriers?
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The following industries are not supported through NEXT carriers:
Staffing agencies
Aviation
Logistics
Freight brokers
Work performed over water or at heights above 40 feet
Work involving large animals (farms)
How does NEXT contact me?
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The NEXT team will contact you by both email and phone. They will make multiple attempts to reach you using the contact information provided in the request.
What if my policy transfer is not supported by NEXT?
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The NEXT team will contact you to let you know the transfer cannot be completed. At that point, you can choose to request a new policy quote through NEXT or continue with your current policy. If you maintain your current policy, you will be responsible for submitting payroll information directly to your workers' comp provider.
What if I request a quote but do not hear back from NEXT?
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If you have not been contacted within 3 to 5 business days of submitting your request, reach out to DaySmart Support. They will escalate the request with the NEXT team on your behalf.