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"AgriBusiness" Retro Program

Welcome to Farm Bureau AgriBusiness Retro/Safety

Risk Classes | Qualifications

Why a new Retro Program? | How Retro Works

Safety Directors | Contact

This new retro program is for ag-related businesses that don't meet L&I requirements for enrollment in our retro program for farmers.

Enrollees in this new program will join more than 2,000 farmers with a combined standard premium of more than $50 million who are already enrolled in a Farm Bureau Retro/Safety program.

Listed below are (1) the risk classes for businesses that may enroll in our new program; (2) qualifications for enrolling in Farm Bureau AgriBusiness Retro/Safety; and, (3) more about Farm Bureau retro programs.

Risk Classes

If your business reports in any of the following risk classes you may qualify for Farm Bureau AgriBusiness Retro/Safety.

Your risk classes are the four digit numbers on your L&I Quarterly Premium Report under column 1: Class. Approved sub-classes are six digits.

Be sure to read the entire list. Risk class numbers are not in sequential order.

Distillation, chemicals, food and related businesses

2101-00 Grain milling; flour mills; feed mills; feed manufacturing

 

2101-05 Hop Pellet manufacturing

 

2104-01 Vegetable packing - fresh

 

2104-02 Fruit packing - fresh

 

2106 -00 Fertilizer, anhydrous ammonia and agricultural chemical dealers

 

3303-07 Fish dealers - retail

 

3303-08 Meat and poultry dealers - retail

 

3304-00 Fish processors, packers and re-packagers - wholesale/retail

 

3304-01 Meat and/or poultry dealers - wholesale or combined wholesale/retail

 

3407-03 Oil refining - petroleum, oil gasohol distilling & refining

 

3703-00 Ammonia, nitrogen and ammonium nitrate: Manufacturing

 

3701-07 Chemical mixing, blending and repackaging only

 

3701-11 Alcohol: Manufacturing, distilling, NOC*

 

3701-14 Extract: Manufacturing, including distillation of essential oils

 

3701-17 Mint distilling

 

3701-27 Hazardous/toxic material: Repackaging for disposal

 

3702-02 Bottling: Beverages, NOC

 

3702-05 Wine making or wineries   Spirituous liquor: Manufacturing

 

3901-00 Bakeries - retail

 

3901-01 Bakeries - retail - specialty shops

 

3902-00 Fruit and vegetable: Cannery and freezer operations

 

3902-01 Fruit and vegetable: Evaporating, preserving or dehydrating

 

3902-02 Fruit syrup or juice, cider, jam or jelly: Manufacturing

 

3902-11 Chocolate, cocoa, corn products: Manufacturing

 

3902-12 Baking powder, dextrine, glucose and starch: Manufacturing

 

3902-13 Nut shelling, egg breaking, coconut shredding and peanut handling

 

3902-14 Food sundries, NOC: Manufacturing or processing

 

3902-15 Pickles and sauerkraut: Manufacturing

 

3902-17 Pet food: Manufacturing

 

3902-24 Breakfast food: Manufacturing

 

3902-26 Poultry canning and canneries NOC

 

3902-27 Vegetable oil or butter substitutes: Manufacturing

 

3906-00 Bakeries, NOC

 

3906-01 Cracker: Manufacturing NOC

 

3906-02 Potato chip: Manufacturing NOC

 

3906-03 Ravioli and tamale: Manufacturing

 

3906-04 Pasta: Manufacturing

 

3906-05 Confectionery, chewing gum or cough drop: Manufacturing

 

3906-07 Pizza: Manufacturing, NOC

 

4002-00 Dairy products, NOC: Manufacturing

 

4002-01 Butter, cheese, ice cream and ice cream mix: Manufacturing

 

4301-10 Sausage: Manufacturing

 

4301-11 Packing houses

 

4301-12 Meat products: Manufacturing

 

4301-13 Peat moss: Shredding and baling

 

4301-19 Sausage casing dealers

 

4301-22 Slaughterhouses

 

4302-14 Custom meat cutting

 

4302-15 Custom meat cutting and farm kill

 

4302-16 Farm kill

 

4404-05 Cold storage warehouse

 

6909-00 Laboratories - analytical, testing or quality control for others

 

6909-22 Laboratories: Assaying

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Qualifications for Enrollment

  • The law requires that you be a member of the sponsoring organization. If you are not a WFB member we can sign you up when you enroll in our retro program. Membership fees vary by county and range from $65 to $85
  • An enrollment fee equal to 1% of your annual standard premium is required at sign up.
  • You must report hours in one of the risk classes listed above.
  • Your loss ratio must be 0.9 or lower. We look at the loss ratio for the three most recent retro years. Contact us if you have questions.
    • To compute your loss ratio, refer to your most recent L&I Quarterly Composite Claims Report and divide th e figures in the last column (Total Inc. Loss (DEVEL.) by that year's total standard premium. For example if your standard premium is $500 and your total incurred losses are $456, your loss ratio would be 0.91. ($456 divided by $500)
    • So we can review previous years, please contact us for a release form. L&I will not release information to us without it.
    • Used right, loss ratio can be a good predictor of future performance and it is the one indicator members can improve from one year to the next. It is not your experience modification factor.
    • If you don't meet our loss ratio requirements we have FB Retro Basic. In this program our claims managers and safety directors are available to help you improve. We will enroll you with L&I when you meet our current loss ratio standard.
  • Other conditions are in our contract. For example, participation in our safety programs is mandatory and our methods of releasing refunds is explained.

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Why Start A New Retro Program?

Recently L&I limited the kinds of businesses we can have in FBRS and it left us unable to serve the needs of many members. Our response has been the creation of our Agribusiness Retro/Safety program. We believe that the kinds of businesses allowed in this retro program, combined with our other program we will allow us to serve most of our members.

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How Does Retro Work?

When you join our program you are part of more than 2,000 of our members representing more than $50 million in standard premium.

A single retro year runs for three calendar years. In the first retro year you continue to pay your premium to L&I just like always. If a worker is injured you must contact one of our claims managers right away. Our early involvement can ensure a worker gets the medical care needed and returns to work when appropriate.

Over the next two years your claims continue to be managed and closed. We close 97% to 98% of all claims.

If we are effective at preventing worker injuries; ensuring that injured workers get the medical care they deserve and return to work; and, if our group's claims are less than the group paid in standard premium, we earn a refund.

After the third year we release the refund after the risk of an assessment has passed. Some of our largest members have had refunds as high as $100,000.

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Our Safety Directors Are Key to Success in Retro

The services of our safety directors are available at no additional charge to help you create a safer workplace and prevent worker injuries. Participation in our safety workshops and trainigns are required and you can choose from 17 locations across the state.

If you experience high loss-ratios, a high number of claims, have a worker seriously injured or there is a fatality, one of our safety directors will contact you to set up a confidential meeting. Otherwise you can ask for a confidential inspection and our safety directors can advise you of ways to improve workplace safety. Our confidential inspections are in high demand even among our best performers.

If you are fined after an L&I inspection, our safety directors can help you fix the programs and in some cases we can help you reduce the fines.

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Retro is No Gimmick

Go to the L&I website and read about retro: http://www.lni.wa.gov/ClaimsIns/Insurance/Reduce/Qualify
For more information or clarification on Farm Bureau's Retro/Safety programs.

For more information contact Linda Harvey at (800) 331-3276 or email here.

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