RETROSPECTIVE RATING PLAN B
BASIC PREMIUM RATIOS
AND LOSS CONVERSION FACTORS
Effective January 1, 2006
| Maximum Premium Ratio: | 1.05 | 1.10 | 1.15 | 1.20 | 1.25 | 1.30 | 1.35 | 1.40 | 1.45 | 1.50 | 1.60 | 1.70 | 1.80 | 2.00 |
Size
Group | | | | | | | | | | | | | | |
| 63 | Basic Premium Ratio | .993 | .986 | .979 | .972 | .965 | .958 | .951 | .944 | .938 | .931 | .917 | .903 | .889 | .861 |
| | Loss Conversion Factor | .007 | .014 | .021 | .028 | .035 | .042 | .049 | .056 | .062 | .069 | .083 | .097 | .111 | .139
|
| 62 | Basic Premium Ratio | .992 | .985 | .977 | .970 | .962 | .954 | .947 | .939 | .931 | .924 | .909 | .893 | .878 | .848 |
| | Loss Conversion Factor | .008 | .015 | .023 | .030 | .038 | .046 | .053 | .061 | .069 | .076 | .091 | .107 | .122 | .152
|
| 61 | Basic Premium Ratio | .992 | .983 | .975 | .967 | .959 | .950 | .942 | .934 | .926 | .917 | .901 | .884 | .868 | .835 |
| | Loss Conversion Factor | .008 | .017 | .025 | .033 | .041 | .050 | .058 | .066 | .074 | .083 | .099 | .116 | .132 | .165
|
| 60 | Basic Premium Ratio | .991 | .982 | .973 | .964 | .955 | .946 | .937 | .928 | .919 | .910 | .892 | .874 | .856 | .819 |
| | Loss Conversion Factor | .009 | .018 | .027 | .036 | .045 | .054 | .063 | .072 | .081 | .090 | .108 | .126 | .144 | .181
|
| 59 | Basic Premium Ratio | .990 | .980 | .971 | .961 | .951 | .941 | .931 | .921 | .912 | .902 | .882 | .862 | .843 | .803 |
| | Loss Conversion Factor | .010 | .020 | .029 | .039 | .049 | .059 | .069 | .079 | .088 | .098 | .118 | .138 | .157 | .197
|
| 58 | Basic Premium Ratio | .989 | .979 | .968 | .957 | .947 | .936 | .926 | .915 | .904 | .894 | .872 | .851 | .830 | .787 |
| | Loss Conversion Factor | .011 | .021 | .032 | .043 | .053 | .064 | .074 | .085 | .096 | .106 | .128 | .149 | .170 | .213
|
| 57 | Basic Premium Ratio | .989 | .977 | .966 | .954 | .943 | .931 | .920 | .908 | .897 | .886 | .863 | .840 | .817 | .771 |
| | Loss Conversion Factor | .011 | .023 | .034 | .046 | .057 | .069 | .080 | .092 | .103 | .114 | .137 | .160 | .183 | .229
|
| 56 | Basic Premium Ratio | .988 | .976 | .963 | .951 | .939 | .927 | .914 | .902 | .890 | .878 | .853 | .829 | .805 | .756 |
| | Loss Conversion Factor | .012 | .024 | .037 | .049 | .061 | .073 | .086 | .098 | .110 | .122 | .147 | .171 | .195 | .244
|
| 55 | Basic Premium Ratio | .987 | .974 | .961 | .948 | .935 | .922 | .909 | .896 | .883 | .870 | .844 | .818 | .792 | .741 |
| | Loss Conversion Factor | .013 | .026 | .039 | .052 | .065 | .078 | .091 | .104 | .117 | .130 | .156 | .182 | .208 | .259
|
| 54 | Basic Premium Ratio | .986 | .972 | .959 | .945 | .931 | .917 | .904 | .890 | .876 | .862 | .835 | .807 | .780 | .724 |
| | Loss Conversion Factor | .014 | .028 | .041 | .055 | .069 | .083 | .096 | .110 | .124 | .138 | .165 | .193 | .220 | .276
|
| 53 | Basic Premium Ratio | .985 | .971 | .956 | .941 | .927 | .912 | .898 | .883 | .868 | .854 | .824 | .795 | .766 | .707 |
| | Loss Conversion Factor | .015 | .029 | .044 | .059 | .073 | .088 | .102 | .117 | .132 | .146 | .176 | .205 | .234 | .293
|
| 52 | Basic Premium Ratio | .984 | .969 | .953 | .938 | .922 | .907 | .891 | .876 | .860 | .845 | .814 | .783 | .752 | .690 |
| | Loss Conversion Factor | .016 | .031 | .047 | .062 | .078 | .093 | .109 | .124 | .140 | .155 | .186 | .217 | .248 | .310
|
| 51 | Basic Premium Ratio | .983 | .967 | .950 | .934 | .917 | .901 | .884 | .868 | .851 | .835 | .802 | .769 | .735 | .669 |
| | Loss Conversion Factor | .017 | .033 | .050 | .066 | .083 | .099 | .116 | .132 | .149 | .165 | .198 | .231 | .265 | .331
|
| 50 | Basic Premium Ratio | .982 | .965 | .947 | .929 | .911 | .894 | .876 | .858 | .841 | .823 | .787 | .752 | .717 | .646 |
| | Loss Conversion Factor | .018 | .035 | .053 | .071 | .089 | .106 | .124 | .142 | .159 | .177 | .213 | .248 | .283 | .354
|
| 49 | Basic Premium Ratio | .981 | .962 | .943 | .924 | .905 | .886 | .867 | .848 | .829 | .810 | .772 | .734 | .696 | .621 |
| | Loss Conversion Factor | .019 | .038 | .057 | .076 | .095 | .114 | .133 | .152 | .171 | .190 | .228 | .266 | .304 | .379
|
| 48 | Basic Premium Ratio | .980 | .959 | .939 | .919 | .898 | .878 | .858 | .837 | .817 | .797 | .756 | .716 | .675 | .594 |
| | Loss Conversion Factor | .020 | .041 | .061 | .081 | .102 | .122 | .142 | .163 | .183 | .203 | .244 | .284 | .325 | .406
|
| 47 | Basic Premium Ratio | .978 | .957 | .935 | .913 | .891 | .870 | .848 | .826 | .805 | .783 | .740 | .696 | .653 | .566 |
| | Loss Conversion Factor | .022 | .043 | .065 | .087 | .109 | .130 | .152 | .174 | .195 | .217 | .260 | .304 | .347 | .434
|
| 46 | Basic Premium Ratio | .977 | .954 | .931 | .908 | .885 | .862 | .839 | .816 | .793 | .770 | .724 | .677 | .631 | .539 |
| | Loss Conversion Factor | .023 | .046 | .069 | .092 | .115 | .138 | .161 | .184 | .207 | .230 | .276 | .323 | .369 | .461
|
| 45 | Basic Premium Ratio | .976 | .951 | .927 | .902 | .878 | .854 | .829 | .805 | .780 | .756 | .707 | .658 | .609 | .512 |
| | Loss Conversion Factor | .024 | .049 | .073 | .098 | .122 | .146 | .171 | .195 | .220 | .244 | .293 | .342 | .391 | .488
|
| 44 | Basic Premium Ratio | .974 | .948 | .922 | .897 | .871 | .845 | .819 | .793 | .767 | .742 | .690 | .638 | .587 | .483 |
| | Loss Conversion Factor | .026 | .052 | .078 | .103 | .129 | .155 | .181 | .207 | .233 | .258 | .310 | .362 | .413 | .517
|
| 43 | Basic Premium Ratio | .973 | .945 | .918 | .891 | .863 | .836 | .809 | .781 | .754 | .727 | .672 | .617 | .562 | .453 |
| | Loss Conversion Factor | .027 | .055 | .082 | .109 | .137 | .164 | .191 | .219 | .246 | .273 | .328 | .383 | .438 | .547
|
| 42 | Basic Premium Ratio | .970 | .941 | .911 | .881 | .852 | .822 | .792 | .763 | .733 | .703 | .644 | .585 | .525 | .406 |
| | Loss Conversion Factor | .030 | .059 | .089 | .119 | .148 | .178 | .208 | .237 | .267 | .297 | .356 | .415 | .475 | .594
|
| 41 | Basic Premium Ratio | .968 | .935 | .903 | .870 | .838 | .806 | .773 | .741 | .708 | .676 | .611 | .546 | .481 | .352 |
| | Loss Conversion Factor | .032 | .065 | .097 | .130 | .162 | .194 | .227 | .259 | .292 | .324 | .389 | .454 | .519 | .648
|
| 40 | Basic Premium Ratio | .965 | .929 | .894 | .859 | .823 | .788 | .753 | .718 | .682 | .647 | .576 | .506 | .435 | .294 |
| | Loss Conversion Factor | .035 | .071 | .106 | .141 | .177 | .212 | .247 | .282 | .318 | .353 | .424 | .494 | .565 | .706
|
| 39 | Basic Premium Ratio | .962 | .923 | .885 | .847 | .808 | .770 | .732 | .693 | .655 | .616 | .540 | .463 | .386 | .233 |
| | Loss Conversion Factor | .038 | .077 | .115 | .153 | .192 | .230 | .268 | .307 | .345 | .384 | .460 | .537 | .614 | .767
|
| 38 | Basic Premium Ratio | .958 | .917 | .875 | .834 | .792 | .751 | .709 | .668 | .626 | .585 | .502 | .419 | .336 | .170 |
| | Loss Conversion Factor | .042 | .083 | .125 | .166 | .208 | .249 | .291 | .332 | .374 | .415 | .498 | .581 | .664 | .830
|
| 37 | Basic Premium Ratio | .955 | .910 | .865 | .820 | .776 | .731 | .686 | .641 | .596 | .551 | .461 | .371 | .282 | .102 |
| | Loss Conversion Factor | .045 | .090 | .135 | .180 | .224 | .269 | .314 | .359 | .404 | .449 | .539 | .629 | .718 | .898
|
| 36 | Basic Premium Ratio | .951 | .903 | .854 | .806 | .757 | .709 | .660 | .612 | .563 | .514 | .417 | .320 | .223 | .029 |
| | Loss Conversion Factor | .049 | .097 | .146 | .194 | .243 | .291 | .340 | .388 | .437 | .486 | .583 | .680 | .777 | .971
|
| 35 | Basic Premium Ratio | .947 | .895 | .842 | .789 | .736 | .684 | .631 | .578 | .525 | .473 | .367 | .262 | .156 | .000 |
| | Loss Conversion Factor | .053 | .105 | .158 | .211 | .264 | .316 | .369 | .422 | .475 | .527 | .633 | .738 | .844 | .987
|
| 34 | Basic Premium Ratio | .943 | .886 | .829 | .771 | .714 | .657 | .600 | .543 | .486 | .428 | .314 | .200 | .085 | .000 |
| | Loss Conversion Factor | .057 | .114 | .171 | .229 | .286 | .343 | .400 | .457 | .514 | .572 | .686 | .800 | .915 | .969
|
| 33 | Basic Premium Ratio | .938 | .876 | .814 | .752 | .690 | .628 | .567 | .505 | .443 | .381 | .257 | .133 | .009 | .000 |
| | Loss Conversion Factor | .062 | .124 | .186 | .248 | .310 | .372 | .433 | .495 | .557 | .619 | .743 | .867 | .991 | .953
|
| 32 | Basic Premium Ratio | .933 | .866 | .799 | .732 | .665 | .598 | .531 | .463 | .396 | .329 | .195 | .061 | .000 | .000 |
| | Loss Conversion Factor | .067 | .134 | .201 | .268 | .335 | .402 | .469 | .537 | .604 | .671 | .805 | .939 | .984 | .939
|
| 31 | Basic Premium Ratio | .927 | .854 | .781 | .707 | .634 | .561 | .488 | .415 | .342 | .268 | .122 | .000 | .000 | .000 |
| | Loss Conversion Factor | .073 | .146 | .219 | .293 | .366 | .439 | .512 | .585 | .658 | .732 | .878 | .994 | .965 | .925
|
| 30 | Basic Premium Ratio | .920 | .840 | .760 | .680 | .600 | .520 | .440 | .360 | .280 | .200 | .040 | .000 | .000 | .000 |
| | Loss Conversion Factor | .080 | .160 | .240 | .320 | .400 | .480 | .560 | .640 | .720 | .800 | .960 | .975 | .949 | .913
|
| 29 | Basic Premium Ratio | .913 | .826 | .739 | .651 | .564 | .477 | .390 | .303 | .216 | .128 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .087 | .174 | .261 | .349 | .436 | .523 | .610 | .697 | .784 | .872 | .990 | .958 | .935 | .902
|
| 28 | Basic Premium Ratio | .904 | .807 | .711 | .615 | .519 | .422 | .326 | .230 | .134 | .037 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .096 | .193 | .289 | .385 | .481 | .578 | .674 | .770 | .866 | .963 | .969 | .940 | .918 | .887
|
| 27 | Basic Premium Ratio | .892 | .785 | .677 | .570 | .462 | .355 | .247 | .140 | .032 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .108 | .215 | .323 | .430 | .538 | .645 | .753 | .860 | .968 | .983 | .946 | .918 | .897 | .868
|
| 26 | Basic Premium Ratio | .881 | .761 | .642 | .522 | .403 | .283 | .164 | .044 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .119 | .239 | .358 | .478 | .597 | .717 | .836 | .956 | .983 | .960 | .925 | .899 | .879 | .851
|
| 25 | Basic Premium Ratio | .868 | .736 | .604 | .472 | .340 | .208 | .075 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .132 | .264 | .396 | .528 | .660 | .792 | .925 | .987 | .961 | .940 | .907 | .883 | .864 | .838
|
| 24 | Basic Premium Ratio | .852 | .705 | .557 | .409 | .261 | .114 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .148 | .295 | .443 | .591 | .739 | .886 | .992 | .964 | .941 | .922 | .893 | .872 | .855 | .832
|
| 23 | Basic Premium Ratio | .835 | .669 | .504 | .338 | .173 | .008 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .165 | .331 | .496 | .662 | .827 | .992 | .969 | .944 | .924 | .907 | .881 | .862 | .848 | .827
|
| 22 | Basic Premium Ratio | .814 | .628 | .442 | .256 | .070 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .186 | .372 | .558 | .744 | .930 | .978 | .949 | .927 | .909 | .894 | .871 | .854 | .841 | .823
|
| 21 | Basic Premium Ratio | .790 | .579 | .369 | .159 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .210 | .421 | .631 | .841 | .990 | .957 | .932 | .912 | .896 | .882 | .862 | .847 | .835 | .818
|
| 20 | Basic Premium Ratio | .758 | .516 | .274 | .032 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .242 | .484 | .726 | .968 | .966 | .936 | .913 | .895 | .881 | .869 | .851 | .837 | .827 | .812
|
| 19 | Basic Premium Ratio | .720 | .439 | .159 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .280 | .561 | .841 | .979 | .942 | .915 | .894 | .878 | .865 | .854 | .838 | .826 | .817 | .805
|
| 18 | Basic Premium Ratio | .672 | .344 | .016 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .328 | .656 | .984 | .954 | .920 | .896 | .877 | .863 | .851 | .842 | .827 | .817 | .810 | .799
|
| 17 | Basic Premium Ratio | .617 | .234 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .383 | .766 | .977 | .932 | .902 | .879 | .863 | .850 | .839 | .831 | .819 | .810 | .803 | .794
|
| 16 | Basic Premium Ratio | .550 | .100 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .450 | .900 | .953 | .913 | .885 | .865 | .851 | .839 | .830 | .823 | .812 | .804 | .798 | .790
|
| 15 | Basic Premium Ratio | .477 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .523 | .992 | .932 | .896 | .872 | .854 | .841 | .831 | .822 | .816 | .806 | .799 | .794 | .788
|
| 14 | Basic Premium Ratio | .414 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .586 | .973 | .912 | .881 | .861 | .846 | .834 | .825 | .818 | .812 | .804 | .797 | .793 | .787
|
| 13 | Basic Premium Ratio | .344 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .656 | .953 | .889 | .867 | .851 | .838 | .828 | .821 | .814 | .809 | .801 | .796 | .791 | .786
|
| 12 | Basic Premium Ratio | .256 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .744 | .931 | .874 | .856 | .842 | .831 | .823 | .816 | .810 | .806 | .799 | .794 | .790 | .785
|
| 11 | Basic Premium Ratio | .159 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .841 | .906 | .860 | .846 | .834 | .825 | .818 | .812 | .807 | .803 | .796 | .792 | .788 | .784
|
| 10 | Basic Premium Ratio | .042 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .958 | .879 | .848 | .836 | .827 | .819 | .813 | .807 | .803 | .800 | .794 | .790 | .787 | .783
|
| 9 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .982 | .850 | .838 | .828 | .820 | .813 | .808 | .803 | .800 | .797 | .792 | .788 | .786 | .782
|
| 8 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .952 | .838 | .828 | .820 | .813 | .808 | .803 | .800 | .796 | .794 | .790 | .787 | .784 | .781
|
| 7 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .917 | .828 | .820 | .813 | .807 | .803 | .799 | .796 | .793 | .791 | .788 | .785 | .783 | .780
|
| 6 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .876 | .818 | .812 | .806 | .802 | .798 | .795 | .792 | .790 | .788 | .785 | .783 | .782 | .779
|
| 5 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .826 | .809 | .804 | .800 | .797 | .794 | .791 | .789 | .787 | .786 | .783 | .782 | .780 | .778
|
| 4 | Basic Premium Ratio | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 | .000 |
| | Loss Conversion Factor | .815 | .800 | .797 | .794 | .792 | .790 | .788 | .786 | .785 | .784 | .782 | .781 | .779 | .777
|
[Statutory Authority: RCW 51.04.020, 51.16.035, and 51.32.073. 05-23-162, § 296-17-90497, filed 11/22/05, effective 1/1/06. Statutory Authority: RCW 51.04.020, 51.16.035, 51.32.073, and 51.18.010. 03-24-066, § 296-17-90497, filed 12/1/03, effective 1/1/04. Statutory Authority: RCW 51.16.035, 51.32.073, 51.18.010, and 51.04.020(1). 02-24-029, § 296-17-90497, filed 11/27/02, effective 1/1/03. Statutory Authority: RCW 51.04.020, 51.16.035, 51.32.073, 51.18.010. 01-23-061, § 296-17-90497, filed 11/20/01, effective 1/1/02; 00-23-101, § 296-17-90497, filed 11/21/00, effective 1/1/01. Statutory Authority: RCW 51.18.010. 00-11-060, § 296-17-90497, filed 5/12/00, effective 7/1/00.]