Insurance Programs

The Michigan Retailers Association helps retailers of all sizes navigate options for all types of insurance, including workers compensation, health, dental, vision, life and disability. Learn from the experts and benefit from discounted rates.

MRA Group Insurance Programs

MRA provides insurance coverage for small and large groups. Our reputable insurance carriers include:

  • Health – Blue Cross Blue Shield of Michigan, Blue Care Network, HAP; Priority Health, Physicians Health Plan and McLaren Health Care.
  • Dental – Retailers Insurance Company, administered by Delta Dental of Michigan;
  • Vision – VSP;
  • Life and Disability – Guardian and Unimerica Insurance Company; and
  • Additional Programs – AFLAC

Employers can make changes to their plan anytime during the year. Insurance carriers usually require a 30 to 45-day lead time. Individuals can enroll in an individual health insurance plan during the annual open enrollment period that runs from Nov. 1 through Dec. 15.

Questions? Email or call our insurance expert, Ally Nemetz, at 800.366.3699  x350 or

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Workers' Compensation Insurance

For more than 30 years, Retailers Insurance Company has provided affordable workers’ compensation insurance to a wide variety of Michigan businesses, including retailers and non-retailers. Our insurance policies come standard with Enterprise Cyber Liability Program protection: privacy regulation coverage due to a security breach, coverage for electronic theft of funds, PCI re-certification services, crisis management and fraud prevention. It also includes sub-limits for ransomware, telecommunications theft and social engineering fraud and higher employer liability limits than our competition. As a policyholder, you are a member of Michigan Retailers Association, giving you access to discounted services, a top-notch credit card processing program, college scholarships and more. Retailers Insurance Company policies are available through a carefully selected network of Independent Insurance Agents. 

Find a Retailers Insurance Agent near you or call us at 800.366.3699.

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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