Workers’ Comp Program

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MARO administers a self-insured workers’ compensation insurance fund for its members. The program has been in operation since 1988 and has paid back over $21 million in dividends and discounts – over 1/3 of premium collected has been returned to our members. Many Fund members have enjoyed discounts ranging from 15% to 95%, based on their loss history with the fund.

The fund is governed by a board of trustees elected by the members of the fund at the Annual Meeting held at the MARO Spring Leadership Conference. Claim service is provided through a third party administrator, Broadspire. Excess insurance is purchased from Midwest Employers Casualty Company rated A+ by A.M. Best. Loss prevention consulting and safety audits are provided by Gloria McMullan of the MARO staff.

The fund operates under authority granted by the Michigan Department of Licensing and Regulatory Affairs/Workers’ Compensation Agency. Fund investments are handled by Smalley Investments.

For more information or to receive a quotation send an e-mail to the fund administrator,  Todd Culver

Workers’ Compensation Fund FAQ (PDF)

Workers’ Compensation Fund Application (PDF)

2017 Rates and Payroll Class Codes

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