Over $70 Million in Dividends

generated to members

since inception

Massachusetts Retail Merchants Workers’ Compensation Group, Inc.

Group Profile

Serving retailers, suppliers, restaurants and auto services

30% SAVINGS  for eligible businesses
(upfront savings + 10 year average dividend)

Group Start Date May 1991*
$21 Million (6/22)
Participating Companies 4,000+
Average Dividend 22% (Average over the lifetime of the group. 10 year average 10%)
Excess Insurance Carrier Specific and aggregate insurance coverage through Midwest Employers Casualty Co. (A.M. Best: A+)
Accounting BDO USA, LLP
Actuary Milliman USA
Administrator Cove Risk Services, LLC
Meet the Board here.

Sponsored by


RAM logo
The Retailers Association of Massachusetts (R.A.M.)
PackStore Logo RGB
The Massachusetts Package Stores Association

Participation in a self-insurance group is not the equivalent of purchasing an insurance policy. Employers should first examine all relevant documents required for participation. Past dividend history is no guarantee of future results. *Cove Risk Services, LLC assumed administration of the Group in November 2011.