Our Story

Cennairus pronounced “senn – air – us” is actually quite a simple word, with a long story. It is an anagram for the word INSURANCE.

Cennairus is a specialized insurance brokerage firm concentrating on commercial risks of all sizes. We work with insurance professionals across the country to deliver consistent solutions. Our underwriting, service and marketing teams, respond quickly to your questions with their extensive knowledge of our products and services, which is key to our success in the placement of each risk. Our web based systems are designed to communicate efficiently with all of our business partners to allow immediate feedback regarding both new and in progress submissions. Learn more....

Cennairus is constantly working with brokers, consultants, and individual risks to deliver products, services and programs in distinct industries. A specialized approach combines expertise and experience to fully address the needs of a particular segment.

Learn More About InsurePay -- Technology. Expertise. Results.

Regardless of economic cycles or seasonal fluctuations, this program provides you with the mechanism to pay your premiums based on actual payroll figures for the preceding pay period. Therefore, your premiums are always exact.
Learn more about InsurePay...watch our virtual tour.

Overview
Today workers’ compensation insurance premiums are based on ESTIMATED PAYROLL figures determined prior to the policy period. In other words, premiums are based on a “best guess” approach without regard to seasonal fluctuations, industry down turns or other unforeseeable events. The premium remains constant throughout the policy period excluding experience modifications or rate changes caused by uncommon anniversary rating dates. Premiums are reconciled or “trued up” after the Final Premium Audit is performed either directly by the insuring carrier or a third party auditing firm. The Final Premium Audit or FPA most often results in additional premium owed to the carrier. In many cases unexpected or surprise payables do not sit well with Owners or Chief Financial Officers and unforeseen business expenses are troubling to business owners.

Tomorrow using InsurePay, premiums are paid based on ACTUAL PAYROLL figures provided by an authorized Payroll Bureau or submitted directly to InsurePay via a secure login. Our unique system allows insureds to monitor their workers’ compensation premiums like never before. Many payroll companies provide reports which demonstrate the calculations for a given payroll cycle but do not compare or track the premiums during the policy period. InsurePay actually compares the ESTIMATED premium to the ACTUAL EARNED or owed premium in real time.

The benefits of using InsurePay are as follows:
• Premiums are Based on Actual Payrolls vs. Estimates
• Maintain and Manage your Workers’ Compensation Policy
• Maximize Cash Flow
• Eliminate Large Down Payments
• Eliminate Large Installment Payments
• Eliminate Cancellations due to Non-Payment of Premiums
• Eliminate or Reduce Year-End Additional Premiums - Due to Audits
• Eliminate Writing Checks
• Real-Time Evaluation of Premium Payment History and Calculations

Although many carriers are accepting the Payroll Premium Remittance data from approved Payroll Companies, InsurePay works with any payroll company and has the ability to deliver the necessary reporting information electronically using our secure platform. Additionally, InsurePay allows companies the flexibility of working with any payroll company, accountant, bookkeeper or directly using the internet. InsurePay provides options never before available. The “BIG BOYS” as they are commonly referred cannot hold companies hostage anymore. Have your Agent, Payroll Company, Accountant, Human Resource Department, Wife or Husband give us a call today to learn how to start paying premiums the INSURE WAY!

Cennairus is always working with brokers, consultants, and individual risks to deliver products, services and programs in distinct industries. We provide a specialized approach combined with expertise and experience to fully address the needs of a particular segment.

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Copyright 2006 - Cennairus Insurance - All Rights Reserved 2006-2007
5581 Marquesas Circle Sarasota, FL 34233