1. A computer process for determining payroll related insurance premiums comprising: receiving at a server computer payroll data in a plurality of data formats via a network from a plurality of employer payroll computer systems at a plurality of employer locations, the received data read and extracted by a utility program at each of the employer locations; conditioning by the server computer the received payroll data in the plurality of data formats into a standardized uniform format data stream; filtering by the server computer the standardized data stream to eliminate non-premium related data; applying by the server computer one or more state jurisdictional inclusion and exclusion rules from a rules engine to the filtered data stream to determine payroll data items to consider in calculating a payroll-based insurance premium; and calculating by the server computer payroll-based insurance premiums using said data items.