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Group Experience Rating

Application for enrollment must be submitted by the Monday prior to Thanksgiving for private employers and the last business day in May for public employers.

A Group Experience Program allows employers to be pooled together through a sponsoring organization and receive an overall rate reduction. Employers are placed in groups with other employers of like industry and claims history to receive discounts on their premiums up to the maximum allowed by the Ohio BWC (53%).

Eligibility

  • Be a private, state-fund employer or a public employer taxing district.​
  • Be current on any and all premiums or other monies owed to the BWC​
  • Not have cumulative lapses in excess of 40 days within the 12 months preceding the application deadline.​
  • BE A MEMBER OF A CERTIFIED SPONSORING ASSOCIATION​
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State Fund Program Compatibility Chart

We’ve Helped Many Clients Enroll

We have helped hundreds of employers enroll through our statewide network of sponsors. As new employers, you will have access to the same benefits as each of our established clients – including:
Experienced claims managers
Manual Classification Review
Attorney representation at the industrial commission
Semi-Annual Safety Training

New Employer Incentive Program

The New Employer Program is designed for new Ohio employers. A new employer is defined as a business that is new to Ohio and creates at least one new job. PEO’s, self-insured employers, and employers with a transferring experience are not eligible.

New employers choosing to participate in the New Employer Program will have 2 options for savings:

Enroll in a group experience-rating program and receive a discount up to the Ohio BWC’s currently set maximum (53%)

Employers wishing to enroll in a group will have 30 days from the date the BWC finalizes their policy to enroll in a group rating program. Group participants must be a member of a certified sponsoring association.

Maintaining Eligibility—Safety
Requirements

Our Account Managers are trained to handle much of the medical management as a normal part of their daily claims practice. Under certain circumstances, it may become necessary for a file to be referred to an outside service. Vocational rehabilitation is recommended on a selective basis.
  1. Complete the BWC safety survey.
  2. Read an introduction to the Division of Safety & Hygiene’s offerings
  3. Complete at least 2 hours of safety training provided by the Division of Safety & Hygiene

The safety requirements must be completed by all New Employer Participants prior to the end of the first full reporting period after being accepted into the program.

Group Experience Rating

Group Retrospective
Rating

Application for enrollment must be submitted by the last business day in January for private employers and the last business day in July for public employers.

Under a Group Retrospective Program, employers can band together through a sponsoring organization and earn refunds (or be charged assessments) based on performance. Employers will continue to pay their individual premium however, they will have the opportunity to receive periodic retrospective premium adjustments (in the form of refunds or assessments). Group Retro is not for every employer, since there is a potential for loss if claim costs are not controlled.

Eligibility

Employer must:

  • Be a private, state-fund employer or a public employer taxing district.
  • Be current on any and all premiums or other monies owed to the BWC
  • Not have cumulative lapses in excess of 40 days within the 12 months preceding the application deadline.
  • BE A MEMBER OF A CERTIFIED SPONSORING ASSOCIATION

Individual Retrospective Rating

To participate in this program, private employers must submit an application by the last business day in January and public employers by the last business day in July.

Any company paying in excess of $200,000 in annual State Fund premiums should review this program to determine if it would be an appropriate cost control tool. With a retrospective rated program, the employer selects a deductible from $100,000 to no claim limit. They selfinsure this figure with the Bureau. The Bureau provides excess insurance over that level. Hunter Consulting Company can perform a ten-year cash flow analysis to determine if this program would be appropriate for your business.
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Ready to Optimize Your Workers' Compensation Program?

Whether you’re looking to reduce costs, simplify your processes, or ensure you’re getting the most out of available incentive programs, Hunter Consulting is here to help. Our team of experts is ready to analyze your current situation and develop a customized strategy to meet your needs.
Take the first step towards a more efficient, cost-effective workers’ compensation program. Contact us today for a free consultation.

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