About Retro

What is Retrospective Rating?

Retrospective Rating (Retro) is a safety incentive program offered by L&I. In Retro you can earn a partial refund of your workers’ compensation premiums if you reduce workplace injuries and lower associated claim costs.

Who can be in Retro?

Any employer with an industrial insurance account in good standing can participate either as an individual business or in a Retro group.

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 it 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.

Are there risks?

Yes. Being in Retro requires a commitment to improve safety and prevent injuries in the workplace. If claim costs are higher than the amount of standard premium you paid, it could result in your having to pay an additional amount (assessment). There is a pre-selected limit to this assessment, but it's important that you recognize and understand this risk.

How do I get started?

Call L&I and a Retro representative will tailor a Retro plan just for you. Your representative will offer tools to make your workplace safer and help you understand what drives up your rates, and how to keep your costs down. Contact us by:


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