Claim-Free Discount

A business advantage:Claim-Free Discounts

The example below shows how employers who actively manage workplace safety and injury claims can lower their premiums.

Employer A and Employer B both started wood-framing businesses at the same time, starting with 1 full-time employee. They both started with the same experience factor, 1.000, and paid the same amount every quarter. As business grew, they both added employees until they each had 3 full-time employees. They took different approaches to safety.

Employer A, who has 0 compensable claims and a Claim-Free Discount, pays $10,000 less in premiums than Employer B, who has 2 compensable claims and no Claim-Free Discount.

*These examples are estimates using 2014 rates. The actual rates for the upcoming years will be different. For a description of “compensable” claims, see How claims affect the Claim-Free Discount.

Be like Employer A and save money!

Stop workplace accidents before they happen and earn a Claim-Free Discount. Here are 6 things you can do to prevent accidents and save your business money.

Why Washington is the only state to offer a Claim-Free Discount

Many private insurers offer discounts on personal automobile and homeowner’s insurance. However, Washington is the only state with a Claim-Free Discount on workers’ compensation insurance available to small businesses.

The Claim-Free Discount in Washington is possible because:

  • Claim-free employers have lower future claim potential on average.
  • L&I rates all employers, regardless of size, based on their past claims experience.
  • L&I strives to foster a culture of safe workplaces and return to work among Washington businesses.

Find out more


Call your account manager or

End of main content, page footer follows.

Access Washington official state portal

   © Washington State Dept. of Labor & Industries. Use of this site is subject to the laws of the state of Washington.

Help us improve