Group Retrospective Insurance Program

Group Retrospective Insurance Program (GRIP)

To enroll, download the enrollment forms here.*


To find out if you qualify, fill out our no-obligation response form. We will send back your premium-and-loss history and determine if you qualify to participate in the Master Builders Association's Group Retrospective Insurance Program (GRIP).

GRIP is a cost-effective retrospective rating program that assists in reducing companies’ industrial insurance through its emphasis on safety, injury prevention, education and aggressive claims management. The program focus’ on lowering members’ claims experience ratings, lowering future quarterly L&I premiums, and reducing injury and claim occurrences to help provide a safe working environment for all members’ employees. This year, GRIP participants will receive a total combined refund of $4.2 million.

Retro Q & A

What is a Retro Program?

Retrospective Rating (Retro) is an incentive program offered by Labor & Industries (L&I). In Retro you can earn a partial refund of your workers’ compensation premiums if you prevent workplace injuries and manage your claims costs.

How does a Retro Program work?

Retro is a retroactive way of calculating premiums over a 12-month period. Approximately 10 months after the coverage period ends, L&I looks back at your Retro group’s actual experience and calculates a retrospective premium for that 12-month period. If group claims costs are below what is expected, you could earn a partial refund of the difference between the Retro premium and the standard premium, as calculated by L&I.

Why is GRIP the Right Program for me?

With our members’ commitment to safety and injury prevention, not only do they enjoy refunds but they also reduce costly business expenses associated with on-the-job injuries. GRIP has had great successes and accomplishments to date:

  • Earned an average premium refund of 23 percent on the past two refund dispersals
  • Maintained a low claims-to-claims-manager case load ratio
  • Educated members through Claims 101 and Brain Trust classes
  • Completed over 700 safety visits to member companies, helping keep member work sites safe
  • Reduced the average number of time loss days from 35.2 in the 2010-11 plan year to 19.7 in 2012-13
  • Maintained average plan-year claim-closer rate above 95 percent

How Does GRIP Work?

  • Maintain membership in an association affiliated with the GRIP program.
  • Continue to pay your industrial insurance premiums to L&I.
  • Notify GRIP immediately about workplace injuries.
  • Share in GRIP’s group refund if your claims are lower than your L&I premiums.

What is Included in my GRIP Membership?

  • Professional claims agents to manage workers' injury claims
  • Return-to-work programs
  • Safety and health consultations
  • Nurse claims managers who communicate directly with doctors
  • Expert witness and legal services
  • Multilingual services

What are my Obligations as a GRIP Member?

Member cooperation is essential and required in order to make GRIP a viable and valuable program. Among others, the following existing requirements must be adhered to by GRIP members in order to stay in good standing with the program:

  • Attend a Claims Management 101 class within the first ninety (90) days of Plan enrollment.
  • Maintain a Kept on Salary Policy, which shall keep each injured worker on full salary (100% wages) for at least thirty (30) week days (six weeks), immediately following the first date of written certification by the medical provider that the worker is unable to perform the normal job duties.
  • Provide light/modified duty work in all cases where an injured worker is unable to perform their normal job duties, which L&I will reimburse at 50% for 66 days of wages.
  • Maintain a Safety Plan, a program designed to create a safe, secure and healthy workplace and environment, reviewable during the mandatory site visit.
  • Schedule a mandatory site visit with GRIP’s third-party administrator, Approach Management Services (AMS).

What is the Plan Year Period/Timeline and When Will I Receive my Refund?

Claims remain open for three years, and L&I adjusts the Plan Year’s refund up or down as claims remain open or closed. Accordingly, the GRIP program pays refunds in three annual installments for each plan year.

Plan Year Period: July 1, 2014, to June 30, 2015

2014 Enrollment deadlines* March 15, June 15, Sept. 15, Dec. 15
First refund adjustment (30%) July 2016
Second refund adjustment (20%) July 2017
Third refund adjustment (50%) July 2018

Who do I Contact for More Information or any Concerns?

Kevin McDaniel
GRIP Coordinator
(425) 457-7066

GRIP is a joint program of the Master Builders Association of King and Snohomish Counties and the Master Builders Association of Pierce County. This program has become the preferred choice of over 1,100 members. With such a large number of companies joining the plan, GRIP has become the fastest-growing retro plan on record. Find out when you can make the switch too.

For more information, fill out our no-obligation response form. We will send back your premium-and-loss history and determine if you qualify to participate in the Master Builders Association's Group Retrospective Insurance Plan.

Click here for the enrollment forms.*

*New enrollees (not currently in a retro program of any kind) can join GRIP quarterly. Enrollees who are transferring from another retro program can enroll by June 15, for the plan year beginning on July 1.