Workers’ compensation coverage

Retailers Insurance Company

MRA’s Retailers Insurance Company provides quality workers’ compensation coverage to a broad range of Michigan businesses, including agriculture, manufacturing, transportation, utilities, finance, health care, non-profit and many more sectors.

For more than 30 years, Retailers Insurance has proven to be a financially sound company. Its Financial Stability Rating from Demotech is “A’ Unsurpassed.” Demotech is a financial analysis firm that specializes in evaluating the financial stability of regional/specialty insurers.

Protection like no other

  • Our standard employers’ liability limit is $2 million – much higher than the standard $500,000.
  • Enterprise Cyber Liability Program is standard with every workers’ compensation policy. It provides $100,000 of annual aggregate coverage with a $0 deductible for 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.
  • Automatic terrorism coverage.

Get the best pricing
We reward your business if you have the following programs in place:

  • Employee-sponsored health insurance program
  • Pre-employment medical exams
  • Drug screening program
  • Video surveillance system
  • Light duty return-to-work program
  • Active safety program
  • Employee assistance program
  • Exceptional business practices
  • Aflac workplace group plan benefits

No hidden fees!
Several payment programs are available, based on the premium size. Regardless of the program, we do not charge service fees – even if you choose to pay your premium over the course of a year.

As a policy holder, you also enjoy another major advantage: membership in Michigan Retailers Association, with full access to all of our valuable business services.

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

Contact an agent

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