Retro Clients

We serve clients in five leading industries from all across Washington. And, we earn renewed business from 98% of them each year.

Industries We Serve


More than 1,100 employers, from small shops to the top general contractors in Washington state, save millions each year.

Distillation, chemicals, and food processing

From breweries to orchards, Bellingham to Colfax, Washington’s growers and processors are saving thousands on workers’ comp with Approach.


Our participants pay nearly 20% below average for workers’ comp, thanks to better safety and improved business practices.

Retail, wholesale, and professional services

The SMART Advantage retro serves many well-known hometown companies and frequently earns refunds far above industry average.

Transportation, warehousing and facilities

In just three years, we’ve delivered more than $10 million in refunds to Washington state trucking, transportation, and warehousing employers.

Associations We Partner With

These associations trust Approach to administer their retro groups and provide best-in-class service and results for their members.

Retros We Manage

SMART Advantage

A group that serves “Retail and wholesale stores and professional services such as banks, law firms and related services”.


A group that serves “Construction and related services”.

SMART Dream Team

An invitation-only group that serves “Construction and related services”.

PITB Platinum

A group that serves “Manufacturing”.

PITB Transportation

A group that serves “Transportation, warehousing, and facilities”.

PITB Select

An invitation-only group that serves “Distillation, chemicals, and food processing”.