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Group-retrospective-rating program
The Group-Retrospective Rating Program is a performance program where sponsors create groups who manage safety and claims to lower premiums

Group-retrospective rating is a voluntary performance based incentive program. BWC-certified sponsors create groups of employers who practice effective workplace safety and claims management to achieve lower premiums than they could as individuals.

Employers continue to pay their own individual premiums and have the opportunity to receive retrospective premium adjustments based upon the combined performance of the group. Depending on that performance, the participating employers can receive either a premium refund or assessment.

Eligibility requirements

  • Be a private, state-fund employer or a public employer taxing district.
  • Be current on any and all premiums, administrative costs, assessments, fines or monies owed to BWC.
  • Have active coverage by the application deadline.
  • Not have cumulative lapses in workers' comp coverage in excess of 40 days within the 12 months preceding the application deadline.

Note: Self-insuring employers and state agency public employers are not eligible to participate.

Enrolling in the program

Third-party administrators (TPAs) working for sponsoring organizations such as chambers of commerce or trade associations send out mailings inviting employers that may qualify to apply to the program.

Private employers: Group sponsors must submit applications by the last business day of January preceding a policy year that starts July 1.

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

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