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Last revised: 2/25/2026

The PICA Renewal Process & Payment Options

What to Do When It’s Time to Renew

Email RM Payment Plan
1. Receive renewal offer from PICA (via mail or email) and alert us of any practice changes in the past year. 2. Get your risk management discount (if applicable). 3. Update your payment plan if needed for your upcoming policy term. 
Quick Pay COI Payment
4. Make a payment. Go to the Quick Pay page on PICA’s website or log in to our portal to pay. You can also contact us to pay, or send us a check. 5. Receive Certificate of Insurance (COI) from PICA via the email address on file or log in to your online account to retrieve a copy of the COI. 6. Continue paying any installments based on the payment plan selected.

 

Frequently Asked Questions

How do I make a payment and what payment methods are available to me?

You can pay by credit card, ACH, or check. We accept MasterCard, Discover, Visa, and American Express. Credit and debit cards incur a processing fee by onPhase (formerly DocuPhase). ACH is free to use.

To complete payment, you have four options:

  1. Log in to our secure portal online
  2. Use the Quick Pay option on our website
  3. Call us at 800-251-5727, ext. 2
  4. Send a check to P.O. Box 1783, Memphis, TN 38101


Notes:

  • Autopay via a credit card is NOT an option.
  • Using your bank's bill pay option is the same process as mailing a physical check and is NOT the same as electronic checking (ACH). Using a bank bill can take up to 16 days to be received.
What payment plan options will I have?

You will have these payment plans to choose from (please note that the payment plan options may differ depending on the state you practice in):

  • Pay in full (one-time payment)
  • 2-Pay (50% down payment and 50% due in 90 days)
  • 4-Pay (25% down payment and 3 quarterly equal payments - STATE OF IL ONLY)
  • 5-Pay (25% down payment and 4 payments every other month)
  • 10-Pay (15% down payment and 9 installments monthly - please note: 10-pay payment plans require enrollment in autopay)

Please note that finance fees for payment plans will vary by state. Exact fee details will be shown on your revised renewal offer. 

What should I do if I want to change my payment plan?
Please complete this form to request a different payment plan.
How can I set up autopay?

To enroll in autopay:

  1. Log in to your account on our customer portal. 

  2. Click the Payments tab, then click Manage Payments.

  3. Agree to be redirected to the onPhase portal.

  4. Click My Wallet and add your bank routing & account numbers.

  5. Click AutoPay and choose the My Wallet account.

  6. Click Save and confirm AutoPay was saved successfully.

Please note:

  • Autopay via a credit card is NOT an option.

  • Autopay does not apply to renewal. A renewal down payment must be manually processed.

  • 10 pay requires enrollment in autopay.

How will I receive my invoices?
Renewal offers will include an initial invoice (whether you receive the renewal offer via email or by mail) and you will receive installment payment invoices from OnPhase (formerly DocuPhase) by mail.
Can I set up email and text reminders for future installments?
Yes! Here's how to set up email and/or text reminders for upcoming payments:
  1. Log in to your account on our customer portal
  2. Click the Payments tab, then click Manage Payments.
  3. Agree to be redirected to the onPhase portal.
  4. Under My Accounts, choose your preference, and add your information.
  5. Click Submit to save changes.
Who should I call if I have questions about my renewal or payments?
Please contact us at 800-251-5727, ext. 2 or contact your agent.

Disclaimer: All information contained on this page is subject to change.