Endorsed by the Michigan Restaurant Association and Michigan Lodging & Tourism Association, we offer programs specific to the hospitality industry.  We have the coverage you need at a discounted price. Offering fully insured package programs that provide coverage unique for your industry as well as the Self-Insured Workers' Compensation Fund that returns money back to its participants.


  • Michigan Restaurant & Lodging Fund (MRL Fund)

The MRL Fund has helped members to significantly lower their workers' compensation costs by returning an average of 45% of members' premiums year after year.    The MRL Fund also has programs in place to help improve the safe operation of your business.  Fund members receive loss control services, safety education consultations and webinars, industry-specific newsletters, claim report cards and member profit statements. 

 Click here for information on the Michigan Restaurant & Lodging Fund


  •  Exclusive Package Insurance Programs

Hospitality owners face an increasingly complex environment of regulations, time demands and important financial decisions.  With the growing need for them to better manage and control their bottomline insurance costs, both the Michigan Restaurant Association and Michigan Lodging & Tourism Association have endorsed package programs which provide discounts and bundles of coverage free of charge.   Contact us for more information.