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You might if you're on a retrospective rating plan, yet these are very complex and can tie up your financial resources for years - YEARS. Enter into them only if you're fully informed on all the pros & cons. If you're a small firm, I really feel it's not in your best interest to be on a retrospective rating plan. Instead, consider deductibles and other ways to save premium going forward. For example, if you had no claims in 1 year, do you know why? Have you been proactive in preventing claims? Do you have a safety program and a "no accidents" incentive program to reward employees for paying attention to safety? The reward system doesn't have to be cash - it could be something like having a Pizza day or if you're in an office environment, letting employees wear jeans 1 day a week as long as you're accident free.

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Q: As a business owner do you get money back if you have no claims at end of year from workers compensation insurance?
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