Retrospective Rating (Retro)

Why Consider Retro?

Any time one of your employees is injured, it costs your company. The loss can be in production, hiring and training a replacement, rescheduling work or the loss of a project or job. Plus, the injury can cause your workers' compensation premium rates to go up. In Retro you have an opportunity to turn your good safety performance into a refund from L&I by preventing injuries and controlling losses.

How Does ABC's Retro Program Work?

  • Retro is simply another way of calculating your premium – after the fact, or retrospectively. 
  • A Retro coverage period lasts 12 months and can begin any calendar quarter. About 10 months after a coverage period ends, L&I looks back at your (or your group’s) actual experience and calculates a retrospective premium for that 12-month coverage year. 
  • If claim costs for the coverage year are below what is expected, you would earn a partial refund of the difference between the Retro premiums and the standard premiums.

Why ABC Retro?

  • ABC has an established program committed to supporting contractors for more than 20 years through strong, consistent services and refunds.
  • Performance based retro distributing refunds based on your performance in the group.
  • Experienced claims management team on your side. 
  • Free safety and loss control services that help your company get and stay safe. 
  • Monthly reports that outline claim activity so you stay informed. 
  • Fully funded contingency reserve, members participate nearly risk free.
  • Strategies to help your company reduce their workers’ compensation costs.
  • One-on-one attention, helping members reduce their claims costs and EMR.
  • Free safety training such as Fall Protection, OSHA-10, Scaffold/Ladder, and more.
  • Subscription to Safety Meeting Outlines.


How Do I Apply?

Download our informational brochure 

 To determine if your company meets the underwriting for the program please complete and return the ABC Retro Release. We will contact you as soon as we hear back. 

If you have questions contact Wendy Novak at ABC, 800.640.7789.


Aspire Consulting is dedicated to helping businesses navigate the workers' compensation system in Washington State. Learn more about how you can work with their experts to lower your costs.