Workers’ Compensation Program

Members participating in the Michigan Restaurant & Lodging Fund (MRL Fund) have enjoyed similar savings on their workers' compensation coverage, with a 48 percent average profit return. Group plans offer the same protection as an insurance company, but more efficiently, providing an opportunity for companies within a particular industry to band together to save.

Read more about the MRL Fund return for 2013


The MRL Fund is a not-for-profit organization owned and operated by its members. As a result, premium dollars not used to pay administrative costs and claims, or not reserved for potential claims, are returned to the members in the form of premium credits along with earned interest. Members have received a total of $39.6 million in premium credits since the fund’s inception in 1992.