In some states, a certified safety committee, a safety program or a drug-free workplace program earns a credit on your workers' compensation premium. Each program has its own conditions, and almost all of them ask for documented training. Here is what the official state sources say, and a rough estimate of what it could mean for your premium.
Three ways safety shows up in your premium
- State programs with a credit written in law or regulation: the states below. You meet the program's conditions, the state certifies you when required, and your insurer applies the credit.
- Experience rating: fewer and smaller claims mean a lower modification factor. NCCI's guide to experience rating says an employer that runs a safe workplace, including safety programs, is in a better position to receive a credit mod.
- Your insurer's own rating: many insurers use schedule rating credits; the criteria are theirs, so ask your agent.
States with a credit in official sources
- Safety committees and programs: Pennsylvania (5% for a committee certified by the state, renewable for up to five years in all), New York (4% the first year, then 2%, for an evaluated safety program), Delaware (up to 6% today, up to 12% for policies renewing from July 2027, after a safety inspection), Ohio (a 3% safety council rebate, up to $5,000).
- Drug-free workplace programs, which include employee education and supervisor training: Georgia (7.5%), Alabama, Tennessee and Arkansas (5%), Virginia (up to 5%), Ohio's SUPR program (4% or 7%).
- Florida law requires insurers to give identifiable credit for drug-free workplace and safety programs (Fla. Stat. 627.0915, 440.102), with the amounts set in each insurer's rating plan: ask yours.
- Washington (L&I) has no committee credit; its retrospective rating program can refund part of the premium to employers with good results.
We list a state only when we read the percentage in an official source; the links are in the estimate below. Programs, rounds and rules change: check the current terms with the state agency and your insurer before you count on a credit.
The proof they ask for
Almost every program checks training. Pennsylvania committee members are trained every year and the committee keeps agendas, attendance lists and minutes for five years. Tennessee's drug-free program asks for at least one hour of training for all employees and two more for supervisors, with records that document it. Georgia and Alabama require employee education and supervisor training; Delaware's inspection looks at employee training. Ohio's safety council rebate counts external training and BWC events, not in-house sessions.
Federal standards ask for training too, such as PPE training with a demonstration of understanding before the work (29 CFR 1910.132(f)). A named record of each session, with the date, the topic, who took part and their score, answers the same question for OSHA, for the state program and for your insurer.
Where Quizhat fits
Quizhat does not certify anything and does not qualify you for a credit. It makes the training you give visible: crew quizzes that people actually play (see safety games for employees), then Test mode for a PDF learning assessment record with each person's answers and result. For the state grants that can pay for the training itself, see how to fund your safety training. Quizhat is an independent tool, not affiliated with or endorsed by OSHA.