Underwriting Requirements

1. Must be an AGC of WA member. Inland Northwest AGC members may contact at Toll Free 1-800-562-2868 for criteria and consideration of AGC of WA Retro Membership.

2. Must have an interview to assess the company's commitment to:
   1. job-site safety and achievement of AGC Safety Team^® membership;
   2. working with injured employees on return to work issues;
   3. working with AGC Retro and Safety Consultants to expedite resolution of claim and safety issues; and
   4. implementation of a 30-day kept on salary practice, as well as a light duty return to work policy.
   5. In addition, analysis of loss trends is provided for purposes of targeting safety efforts and members will receive resources and tools to utilize in an effort to reduce injury frequency.
3. The company's three-year LNI loss history report will be reviewed by an Independent Underwriter, as well as the AGC Retro Director.

4. AGC Safety Team^® membership must be achieved within 11 months of enrollment qualification.
5. 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 Forums. 
6. Must complete the "Application & Release" form. This will enable us to obtain your LNI three-year Premium and Loss History Report and provide you with the refund amounts you would have received had you been in the program. In addition, AGC’s Independent Underwriter will review your premium and loss trend. The results of his review and AGC Retro Director recommendation are then reviewed with the AGC Retro Committee prior to qualification for AGC Retro membership. 
7. If your company qualifies for enrollment, a one-time refundable $2000 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.
8. All Retro participants are evaluated annually with regard to their refund performance, cooperation with light duty return to work efforts and kept on salary practices, as well as their qualification into the AGC Safety Team^®. This protects the integrity of the program. Companies that are put on notice for performance have notice a full year ahead of any disqualification action. Unusual claim circumstances, LNI adjudication, etc. is taken into consideration when underwriting as is the company's history of performance, light duty accommodation, etc.