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Group-Experience-Rating Program

This program allows both public and private employers with better-than-average claim histories to join together through a sponsoring organization. We then rate the group as one employer. By participating in group-experience rating, employers may enjoy much lower premium rates than they could attain on their own. An employer's workers' comp coverage is still through BWC; however, BWC does not form the group.

Eligibility requirements

As of the application deadline, you must:

  • Be current on all payments due to BWC.
  • Be current on the payment schedule of any part-pay agreement you've entered into to pay premiums or assessments.
  • Not have cumulative lapses in workers' comp coverage in excess of 40 days in the past 12 months.
  • Not be a member of more than one group.
  • Have reported actual payroll for the preceding policy year, and paid any premium due, upon reconciliation of estimated premium and actual premium for that policy year.

Third-party administrators must submit a list of employers who are members of each group to BWC by the required application deadline. The employers within the group must be businesses that are substantially similar.

Each sponsoring organization's group program must substantially improve accident prevention and claims handling. The Group-Rating Safety Accountability letter outlines the safety services expectations you should have as an employer enrolled in a group program.

Enrolling in the program

Third-party administrators (TPAs) working for sponsoring organizations such as chambers of commerce or trade associations send out invitations to employers that may qualify to apply to the program. You can download a list of group sponsors and TPAs in your industry by using the Group-experience-rating service offering.

Private employers: Group sponsors must submit applications by the Monday immediately before the fourth Thursday in November preceding a policy year that starts July 1.

Public employers: Group sponsors must submit applications on or before the last business day in May preceding the policy year that starts Jan. 1.

Training guidelines

As a Group-Experience-Rating participant, attend two hours of annual safety training or complete BWC’s online Accident Report (DFSP-1) and associated accident analysis course if you have a claim within the green period. See the Guidelines for Group-Rating Training for additional information.