Group Retro

Group Retrospective Rating is an option for employers who are not traditionally eligible for group rating.

Our BWC-Certified Group Sponsor (NEOSC) pools employers in similar industry that meet their criteria. If the total future claims cost of the group stay under a prescribed BWC threshold, the group members receive possible premium refunds ranging from 10% to 43%+ for their individual premium paid.

Conservative underwriting reduces the chance of the members paying additional premiums and increases the chances of receiving the premium refunds.

As opposed to traditional Group Rating, the discounts may be much higher, but as the discounts are retroactively received, there is always some variation in how the group may perform. Discounts will only be estimates and may increase or decrease pending Group Performance.

Fields marked with * are required

Company Name *
City *
State *
By submitting your information you’re granting ARM permission to generate a quote and that this submission grants all the permissions of an AC-3

I agree to the terms and services *

If you would rather Download the Official BWC AC-3 please click here.

Once the form is filled out and signed, please e-mail, fax or mail it to us.




FAX - 614-219-1292


PO Box 880

Hilliard, OH 43026


To qualify, an employer must meet several requirements, including:
• Be a private, state-fund employer or a public employer taxing district.
• Be current on any and all premiums, admin costs, assessments, fines or monies owed to the BWC
• Have active coverage by the application deadline.
• Not have cumulative lapses in workers’ compensation coverage in excess of 40 days within the 12 month preceding the application deadline.

For official Bureau of Workers’ Compensation Information click here