ABC Retro

Find out how much you could be getting back through the ABC Retro Program!
Download and fill out the Retro Release here (no obligation). Fax this form to Associated Builders & Contractors at (425) 455-5701.


For questions regarding the great benefits of the ABC Retro program, contact Nathan Fitzgerald at 800. 640.7789.

What is Retro?

ABC of Western Washington members have access to a unique employee benefits program. Through our partnership with the MBA Health Trust, members can save significantly on their employee health insurance premiums.

Employers in the building and construction trades with at least 2 employees are eligible for the health insurance program.

The MBA Health Insurance Trust partners with Regence BlueShield, Kaiser Permanente, Delta Dental of Washington and LifeMap to bring our members the best possible benefits at a great price.

Request a quote or learn more at

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 Retro 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 
  • Experiences claims management team on your side. 
  • Free safety 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

How Do I Apply?

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 Nathan Fitzgerald at ABC, 800.640.7789.