System and method for determining payroll related insurance premiums

A computer system for determining payroll-based insurance premiums, comprising:

• a hardware server configured to:
• receive first payroll data relating to a first employer in a first data format from a first source and second payroll data in a second data format from a second source, wherein at least one of the first source and the second source comprises an employer payroll computer system at an employer location, the received data read and extracted by a utility program at the employer location;
• condition the received payroll data in the first and second data formats into uniform format payroll data;
• apply one or more inclusion and exclusion rules from a rules engine to the uniform format payroll data to determine payroll data items to consider in calculating a payroll-based insurance premium;
• and
• calculate computer payroll-based insurance premiums using said data items;
• wherein at least one of the hardware server and the utility program is configured to filter the payroll data to remove non-premium related data.

A non-transitory computer readable medium having computer-readable instructions stored thereon which, when executed by a processor, cause the processor to:

• receive first payroll data relating to a first employer in a first data format from a first source and second payroll data in a second data format from a second source, wherein at least one of the first source and the second source comprises an employer payroll computer system at an employer location, the received data read and extracted by a utility program at the employer location;
• condition the received payroll data in the first and second data formats into uniform format payroll data;
• apply one or more inclusion and exclusion rules from a rules engine to the uniform format payroll data to determine payroll data items to consider in calculating a payroll-based insurance premium;
• and
• calculate computer payroll-based insurance premiums using said data items;
• wherein the instructions further cause the processor to perform one of:
• receiving the payroll data filtered by a remote utility program to remove non-premium related data, and filtering the payroll data to remove non-premium related data.