Workers' Compensation Insurance

Save Time & Money On Your Workers' Compensation Costs!
According to a recent study, participants in group self-insurance plans save an average of 36 percent over their counterparts in the traditional insurance market. Members participating in the Michigan Restaurant & Lodging Fund (MRL Fund) have enjoyed similar savings on their workers' compensation coverage. 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.

Not-for-Profit
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.

Claims Management
The MRL Fund's proactive approach to claims management helps minimize the group's losses. Compensable injuries are paid promptly, while questionable claims without merit are staunchly defended. In addition, the MRL Fund provides safety and loss prevention programs geared specifically to the restaurant industry to help reduce workplace injuries and increase productivity.

MRL Fund Website
The MRL Fund has launched its own website that offers a variety of services available 24 hours a day.  You can find it at  www.MRLFund.org.  Click on “Members Services” in the upper right hand corner of the site.  From this site, you can request payroll adjustments to your current coverage, request a loss control visit, submit audited year-end information, make a payment and file a claim.  When filing a claim, you are entering the website of the fund’s claim adjusting company, Mackinaw Administrators and completing the Form 100 that is required by the state of Michigan

Start Saving Now!
Let us do the work for you. The potential for significant savings on your worker comp. premium is waiting...all you have to do is call Pam for a no obligation quote at 800.968.9668, ext. 3940 or fill out a quote request form online.