Group-rated workers' compensation plans allow employers who operate similar businesses to group together to potentially achieve lower Premium Rates than they could individually. While every employer's situation is unique, Group Rating could entitle an employer to savings as high as 90 percent off base rated premiums.

Each group is sponsored by an organization, such as a trade association or chamber of commerce. Each sponsoring organization requires members to pay a membership fee.

The sponsoring organization forms the group and has control over which members will participate. BWC adjusts rates for group members taken as a whole, as if the group was one big company. Each year, BWC reviews each group rating application to ensure that each group meets the criteria for group rating.