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, as well as auto, home and business insurance. Learn from the experts and benefit from discounted rates.

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. Retailers Insurance workers’ compensation and small-group dental policyholders also enjoy another major advantage: automatic membership in Michigan Retailers Association and full access to all of the valuable business services MRA provides. Retailers Insurance Company policies are available through a carefully selected network of Independent Insurance Agents. These agents serve as our excellence partners, providing outstanding customer service and products to our policyholders.

See all Retailers Insurance Company forms.

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

Contact an agent

Health Insurance

Michigan Retailers Association provides our members with the highest level of knowledge and customer service on health benefits programs. We capitalize on our membership organization’s strengths to deliver the best in expert, personalized service in the increasingly specialized and complicated health benefits arena.

We offer the full range of Blue Cross Blue Shield of Michigan health insurance options, including employer-sponsored group health plans, individual health plans, and Medicare-related coverage. You can choose from a variety of health plans and prescription copays.

See all health insurance forms and resources.

With the complete Blue Cross menu available to you, MRA can tailor a health insurance plan to meet your specific needs and budget. For a no-obligation quote for a group health plan or individual plan, contact MRA’s Ally Nemetz at anemetz@retailers.com.

Contact MRA for a quote

Dental Insurance

Retailers Insurance Company’s fully insured dental insurance is administered by Delta Dental Plan of Michigan and is open to groups as small as two subscribers. Two coverage options are available.

Plan A has no deductibles and provides 100-percent coverage of diagnostic and preventive services, such as oral examinations. Plan B, a less expensive option, has a small yearly deductible and provides 80-percent coverage of preventive services, including x-rays. View a comparison of plan benefits.

See all dental insurance forms and resources.

For a no-obligation quote, contact Retailers Insurance Company at 800.366.3699 or ric@retailers.com.

Contact an agent

Vision Insurance

MRA’s vision plan allows members to access flexible, high-quality vision benefits through VSP (Vision Service Plan). With VSP you’ll get quality care that focuses on your eyes and overall wellness with a WellVision Exam from a VSP Doctor.

When you visit a VSP Doctor, you’ll get the most out of your benefits and have lower out-of-pocket costs. Plus you will be able to choose the eyewear that’s right for you and your budget. From classic styles to the latest designer fashions, you’ll find hundreds of options for you and your family.

See all vision insurance forms and resources.

For more information or to enroll, please contact us at 800.366.3699, ext. 681.

Contact an agent

Life & Disability Insurance

MRA members can purchase life insurance policies at group rates through Unimerica. Participants can purchase basic, supplemental or dependent coverage with guaranteed issue amounts based on participant size.

Short-term disability insurance (26-week benefit period) with varying benefit levels is also available through Unimerica to MRA members.

See all life and disability insurance forms and resources.

Contact MRA for a no-obligation quote.

Contact MRA for a quote

Auto, Home & Business

Members of MRA and their employees are eligible to receive a group discount of 5 to 10 percent on business liability, home and automobile insurance from Fremont Insurance Company.

The discounts are a result of the Association’s endorsement of Fremont as the preferred property and casualty insurer for home, auto and general liability policies. Retailers Insurance Company will continue as MRA’s exclusive provider of workers’ compensation insurance.

Fremont Insurance and Retailers Insurance have much in common: a long history, a focus on Michigan businesses and a reputation for excellent customer service. MRA members are well served by using Fremont for their property and casualty insurance needs and Retailers Insurance for their workers’ compensation insurance.

To receive the MRA group discount or for more information, contact MRA’s Tom Tuggle at 800.366.3699 or ttuggle@retailers.com.