
Over $70 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
- Get a Quote
30% SAVINGS for eligible businesses
(upfront savings + 10 year average dividend)
Group Start Date | May 1991* |
Premium |
$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
![]() The Retailers Association of Massachusetts (R.A.M.) |
![]() The Massachusetts Package Stores Association |