The SMART A-TEAM group retro is designed for general contractors and sub-contractors who want to take advantage of a group retro consisting of a large premium group.

A-Team participants are committed to accident prevention and keeping injured workers on salary for no less than 30 days. In addition, by returning injured workers to light duty as soon as possible, they are able to keep their costs low. In the past, some of the firms in this group may have had challenges with safety and/or claims, resulting in higher costs. With the support from SMART A-Team and Approach, they are improving their safety record by lowering their experience factor.

The SMART A-Team has averaged between 25 and 35 percent group refunds since its inception in 1996. The refund is distributed 75 percent based on performance (premium vs. losses) and 25 percent premium. Even if a participant's losses exceed their premium, they can still get some refund monies depending on the amount of premium paid into the group's premium pool.

While the SMART A-Team enjoys high refunds, it is their goal to lower each participant's experience factor and prevent accidents so that all workers can return home safe to their families every day.

The SMART A-Team is proud to announce that Approach Management Services (AMS) is the third-party administrator for this program. AMS' history with group refunds is an exceptional one. 

For retro information, please contact Liz Evans (360) 927-1946) or simply complete the SMART Retro Release Form and fax to 206-299-4060.

View the list of current SMART A-Team Members.