Our Stats

Grow with SmartPay

Providers & Programs 

Payroll Providers



Annual payroll flowing through SmartPay

What We Do

Founded in 2010 by an insurance agency due to demand from Policyholders and Carriers, SmartPay has grown into the leading Pay-as-You-Go solution available in the market today. We work with 60+ Carriers, 100s of Agents, 100s of Payroll Providers and 1000s of Policyholders as well as Self- Insured Groups and Premium Finance companies. SmartPay consistently offers best in class technology, flexible processes and hands-on support for all stakeholders and a thorough understanding of what it means to be your Partner. 

Click to learn more about our Solution
Maximum Flexibility

Our PayGo solution easily fits with your existing processes and applications

Meaningful Partnership

Thorough understanding of what it means to be your partner-we are so much more than a billing solution!

Leading Edge Technology

Best in class technology, centered on our super flexible, SaaS-based, scalable, reliable, secure, web-based platform

Outstanding Customer Care

Our Development team and Customer Success Advocates are SmartPay employees who provide seamless attention to detail

PayGo 101

PayGo is a simple and efficient way to pay for Workers’ Comp coverage.  Payments are based on actual payrolls instead of estimates for the policy term

Audit pain and surprises are reduced as payments are calculated solely on reported payrolls. If employees are properly classified you’ll increase the accuracy of your premium payments and could reduce credit risk.

Payments are generated as payroll is reported, spreading payments throughout the year and eliminating large, beginning of term payments

Coverage and rates are the same as traditional payment plans, however, using a PayGo solution yields better cash flow and predictability of premiums as it accounts for seasonality and payroll variances

With PayGo there are no checks to write and no payments to remember so you can spend more time focused on your business

Easy set-up, payments based on actual payrolls, and fewer audit surprises are why more businesses choose PayGo.  It just makes sense!

Our Leadership Team

Partner with our diverse, hands- on, responsive Team. We are uniquely poised to help you tailor a PayGo program to your specific needs. We get it because we have done it- all of it- and you benefit from our financial knowledge, multidisciplinary insurance industry experience, finely hewn technology leadership and strong analytical skills. Our vast payroll knowledge, gleaned from 40+ years of working with payroll providers, and our incisive attention to operations details and getting it right, means we have you covered unlike any of our competitors.

Bob Conerly

Chief Executive Officer

Bob offers 30+ years of financial management experience coupled with service as…

Full Bio
Dino Carbone

EVP Sales & Marketing

Dino has more than 35 years in the insurance industry specializing in workers…

Full Bio
Jim Mooney

Chief Technology Officer

In Jim’s 25+ years of technical, business unit, product management and business…

Full Bio
Scott Houghteling

Senior Advisor Payroll Services

Scott’s 40+ years in the Payroll business adds unprecedented service bureau…

Full Bio
Dane Johnston


Senior finance executive with more than 30 years of accounting, finance and product… 

Full Bio


Best-in-class technology, years of insurance experience and an obsession with customer success focus ensures a great partnership.

Highly Flexible PayGo Solutions

Tailor a PayGo solution to your specific needs

Competitive Edge

Gain or retain accounts and meet or exceed competitors’ offerings

Maximize Transparency

PayGo creates payroll and classification transparency throughout the policy term highlighting changes within a business. PayGo can help flag credit and other risk, while reducing audit or bad debt issues, at year end.

Outstanding Customer Care

In-house development and customer support


SmartPay eliminates the hassle, pain and unwanted surprise in workers’ comp, so you can focus on your business.

Easy, Convenient Payment Method

PayGo provides convenient, cash flow-friendly premium payments with each payroll – multiple reporting options available

Reduce Audit Surprises

Predictable end of policy term audits – no pain and no unpleasant surprises


Call our in-house, Customer Success Team which is ready to answer any questions you may have

Freedom To Choose

Work with any Agent or Payroll Provider you choose

PayGo Explained 

Payroll Providers

Our payroll and insurance experience allows the SmartPay Team to do the heavy lifting and simplify PayGo for you and your clients. 

One Easy, No Cost Integration

Single connection & process provides access to 60+ Carriers 


In-house Customer Success Team with years of payroll experience to help with your questions

Maximum Business Flexibility

Freedom to work with any insurance agency you or your client chooses

Increase Sales & Improve Retention

Provides exposure to new business opportunities and broadens service offering to increase client retention


Under siege from competitors for your workers’ comp business? We have the PayGo tools and support to help you defend and grow your book.

Create New Business Opportunities & Improve Retention

SmartPay empowers you to compete with Payroll Companies acting as Agents to ensure existing client retention

Robust Carrier Access

Access to more than 60 PayGo Programs, Carriers and Premium Finance Companies

Easy, Flexible Payroll Reporting

Simple payroll reporting for your Policyholders with the largest, onboarded payroll network and easy self-reporting options

Outstanding Customer Care

In-house Customer Success Team with Insurance expertise available to you ensures a super, user-friendly experience

Contact Us

Reach out and we’ll get right back to you!


470 James Street, Suite 007
New Haven, CT 06513

Phone: 877.905.0786

Sales & Info

Contact Sales


Client Support

Contact Support