IOA has uniquely designed pay-as-you-go commercial insurance programs specifically for payroll companies and professional employer organizations. Our programs apply to any commercial insurance coverage line where the insured seeks a pay-as-you-go approach to premium funding.

Available in all 50 States, as well as global coverage capabilities, IOA offers a wide range of insurance carriers and classes of business including: pollution liability, employment practices liability, medical malpractice, property, bonds, and commercial auto. We deliver flexible handling and servicing of additional insured requests and also provide exclusive access to IOA’s risk management and risk services infrastructure and other insurance-related lending needs. Equal periodic payments for the insured policyholder are seamlessly included in regular billings, and an exclusive arrangement between Capital Premium Financing and Insurance Office of America is also provided.