Programs and Services  Safety

AGC, in partnership with SAIF Corporation, has an innovative group workers' compensation program designed specifically for the construction industry. We provide competitive rates, construction industry expertise and consistent performance. This is a retrospective rating program combined with an up-front discount. A single retro return is calculated nine months after the close of the plan year. The group has single anniversary rating date (October 1). Coverage can be directly written by SAIF account reps or through SAIF-approved agents.

Eligibility Requirements

The AGC program is designed for construction and selected construction-related firms of all sizes who are AGC members, have a demonstrated commitment to safety and loss control practices, and who meet established underwriting standards for the plan. General eligibility guidelines are as follows (exceptions may be reviewed on an individual basis):

• three years experience in a construction related business

• experience mod of 1.0 or less

• three-year average loss ratio of 65% or less

To receive a quote contact an approved SAIF agent or a SAIF direct writer.

Competitive Rates

AGC's programs provides the competitive edge through competitive rates. Our up-front discounts, combined with a retrospective return based on group performance, allows our participants to receive maximum savings. Since program inception in 1991, participating AGC group members  the have received over $237 million in net cost savings (up- front discounts, retro returns, dividends, and program electives).

Construction Industry Expertise

Contractors have special needs when it come to workers' compensation. That's why AGC and SAIF Corporation have teamed up to provide services specifically targeted for the construction industry.

AGC's loss control consultants are hand- picked for their experience in construction and related fields. They are assigned accounts generally based on location and are committed to visiting personally and directly with each participating firm at least annually. Assistance from an AGC loss control consultant is just a phone call away. They work hard to prevent claims from occurring in the first place.

Some highlights include:

• Fully-equipped safety vehicles, complete with an assortment of sample policies and procedures, safety materials, safety videos, video projector, and much more
• Industrial hygiene services and ergonomics assistance
• Assistance with program and policy development
• Assistance with rules/regulations interpretation and dealing with regulatory agencies
• Performing job site visits and evaluations

Claims Management &  Early Return to Work

The claims examiners and return-to-work consultants from SAIF Corporation who work on the AGC program are also hand picked for their construction-industry experience. They are familiar with the intricacies involved in construction-related claims and the unique challenges contractors face. SAIF's team of specialists work with the employer to keep claims costs to a minimum, help maintain good communications with your employees, and can provide innovative solutions to bringing injured workers back to meaningful and productive work while they are still healing.

Consistent Performance

AGC's workers' comp program has shown consistent performance over the years (see chart below). This stability indicates the AGC workers' comp program is working and effective through proactive management. We represent one of the largest non-public group programs in the state. With size comes clout - with SAIF, with other industries and associations, and with the legislature.

Our historic group loss ratios are predictable and consistently below industry averages. Although individual member participants may experience an off year, the predictability and safety of the larger group assures the individual firm they'll still be eligible for any potential retro return without penalty. This consistency allows AGC to develop plan elements to ensure upfront discounts and comfortably predict retro returns.