Workers’ compensation coverage

Retailers Insurance Company

MRA’s Retailers Insurance Company provides quality workers’ compensation coverage to a broad range of Michigan and Indiana businesses, including agriculture, manufacturing, transportation, restaurants, finance, health care, non-profit and many more sectors.

For more than 40 years, Retailers Insurance has proven to be a financially sound company. Its Financial Stability Rating from Demotech is “A’ Unsurpassed.” Demotech is a financial analysis firm that specializes in evaluating the financial stability of regional/specialty insurers.

Protection like no other

Our standard employers’ liability limit is $2 million – much higher than the standard $500,000.
Cyber Liability Program is standard with every workers’ compensation policy. It provides $100,000 of annual aggregate coverage associated with a privacy breach. It also includes sub-limits for cyber events, ransom payments, and cyber deception.
Automatic terrorism coverage.

Get the best pricing
We reward your business if you have the following programs in place:

Employee-sponsored health insurance program
Pre-employment medical exams
Drug screening program
Video surveillance system
Light duty return-to-work program
Active safety program
Employee assistance program
Exceptional business practices
Aflac workplace group plan benefits

No hidden fees!
Several payment programs are available, based on the premium size. Regardless of the program, we do not charge service fees – even if you choose to pay your premium over the course of a year.

As a policy holder, you also enjoy another major advantage: membership in Michigan Retailers Association, with full access to all of our valuable business services.

Find a Retailers Insurance Agent near you or call us at 800.366.3699 and let’s talk!

Contact an agent

Michigan Grocers Fund

Members of Michigan Grocers, a division of Michigan Retailers, have two options for workers’ compensation insurance through their membership: the above-mentioned Retailers Insurance Company and The Michigan Grocers Fund.

The Michigan Grocers Fund is a dividend-paying group self-insurance fund that was organized in 2014. It has a strong track record. Get more information about the fund at migrocersfund.org.