Group Size

Participation in a group program spreads your risk over a larger population. AGC has one of the largest groups, representing group premium as high as $40M.


Refund Potential

AGC distributes Retro refunds based 75% on individual performance and 25% on the company's contribution of premium to the refund. As a result of the distribution formula and AGC's low administrative fees (approximately 5% of the refund), AGC members have received refunds as high as 75 percent of their L&I premium. This performance-based refund approach ensures that those members who spend money up-front on safety-incentive programs, kept-on-salary practices and light-duty return-to-work efforts receive their highest refund potential!



AGC Retro members have received back net-premium refunds averaging nearly 60% and as high as 70-75% in years before the Department of Labor and Industries made changes to the Retro program. While we don’t expect to get back to individual net refunds in the 70% range, we do anticipate that we will continue to achieve outstanding results due to members' shared commitment to safety, light-duty accommodation, and claims management in conjunction with AGC safety and claims help.

AGC's program was set up as a service for AGC members and not for profit to the association. Because we only take what we need to run the program, our administrative fees are approximately 5% and include interest, compared to competing plans that take a straight percentage off the refund and charge quarterly fees.


No Penalties

In an individual program, if your losses exceeded your premium (after the L&I factors based on the risk you chose), you would be charged a penalty. In the AGC Group Retro program, if your losses exceed your premium, you are not assessed a penalty. The entire group would have to go into a penalty before any penalty would be incurred by an individual participant.

To ensure maximum performance for those investing in safety and return-to-work accommodation, we do put companies on notice if they have two negative years while we work to identify any trends in their losses and provide them with resources to help them improve their safety programs. We have disqualified firms in order to protect the integrity of the group and ensure continued peak performance.


Return-to-Work and Retraining Services

AGC has the most advanced temporary transitional return-to-work services in the state and offers retraining programs for workers who cannot return to their job of injury. Click here for details.


Shared Commitment

As a member of AGC Group Retro, you would be among companies that are serious about safety. Retro members must qualify to be included on the AGC Safety Team®. Safety Team® qualification involves a job-site and paperwork audit to ensure that companies meet or exceed L&I safety standards. AGC Group Retro members must also have a return-to-work light-duty policy and agree to keep injured workers on salary for a minimum of thirty days, as well as work with AGC Retro claims consultants for a team approach to resolving claims. Members also meet quarterly at Retro Think Tank events to discuss their current claims and exchange best loss-control practices.

While kept-on-salary practices alone are not effective and must be accompanied by meaningful light-duty work accommodation, there are times when, due to the situation on a particular claim, AGC does grant an exception to the kept-on-salary requirement.


Stringent underwriting is one of the key benefits of membership in AGC Group Retro. Complete underwriting criteria are:
  • Must be an AGC of Washington member. However, Inland Northwest AGC members may contact Lauren Gubbe at 888.227.3876 and/or Stacy Mullane at 206.284.0061 for criteria and consideration for AGC of Washington Retro Membership.
  • Must have an interview to asses the company's commitment to
    - job-site safety and achievement of AGC Safety Team® membership;
    - working with injured employees on return-to-work issues;
    - working with AGC Retro and Safety Consultants to expedite resolution of claim and safety issues; and
    - implementation of a 30-day kept-on-salary practice, as well as a light-duty return-to-work policy.

  • An analysis of loss trends is provided for purposes of targeting safety efforts, and members will also receive resources and tools to assist them in reducing injury and/or occupational-disease claim frequency.
  • The company's three-year L&I loss history report will be reviewed by an independent underwriter, as well as the AGC Retro Director.
  • AGC Safety Team® membership must be achieved within eleven months of enrollment qualification.
  • The company must have a designated safety and claims contact person committed to work with AGC Safety and Retro consultants. This person is encouraged to attend AGC Think Tank meetings and claims-training workshops, as well as Safety Forum events.
  • Must complete the Application & Release form. This will enable us to obtain your L&I three-year Premium and Loss-History Report and provide you with the refund amounts you would have received had you been in the program. Additionally, AGC's independent underwriter will review your premium and loss trend. The results of this review and the AGC Retro Director's recommendation will then be reviewed with the AGC Retro Committee prior to qualification for AGC Retro membership.
  • If your company qualifies for enrollment, a one-time refundable $2,000 deposit is required. This deposit rolls over with each year you qualify for the AGC Retro program and is refundable at the time of your final Retro adjustment in the AGC plan.
  • All AGC Retro members must re-qualify each year, based on achievement of AGC Safety Team® membership, three-year premium and developed loss-history trends, light-duty and thirty-day kept-on-salary efforts, and coordination and cooperation with AGC Retro and Safety staff regarding claims and safety issues.
  • When re-qualifying, companies that are put on notice for performance have a full year to address any disqualification action. Unusual claim circumstances, L&I adjudication, etc. are taken into consideration when underwriting.


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1200 Westlake Avenue N, Suite 301 | Seattle WA 98109
Phone 206.284.0061 | Fax 206.285.4546
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