Over $71 Million in Dividends
generated to members
since inception
generated to members
since inception
since inception
Massachusetts Retail Merchants Workers’ Compensation Group, Inc.
Group Profile
Serving retailers, suppliers, restaurants and auto services
- Group Profile (printable copy)
- Underwriting Guidelines
- Membership Applications
- Cannabis
- 25th Anniversary Brochure
- News article – The Standard
- RAM Business Essentials
- Unbundling to Save – Webinar
- RAM Benefits Video – Why It Is Important to Join?
- Get a Quote
Over 25% SAVINGS for eligible businesses
(Upfront savings & dividends. Total savings depends on premium size.)
| Group Start Date | May 1991* |
| Premium |
$24 Million (10/23) |
| Participating Companies | 4,000+ |
| Average Dividend | Lifetime average 21% |
| Excess Insurance Carriers |
Lyndon Southern Insurance Co. (A.M. Best: A-) and Midwest Employers Casualty Co. (A.M. Best: A+) |
| Accounting | EJ Callahan & Associates |
| Actuary | Milliman USA |
| Administrator | Cove Risk Services, LLC |
| Meet the Board here. |
Sponsored by
 The Retailers Association of Massachusetts (R.A.M.) |
 The Massachusetts Package Stores Association |
