Workers' Comp Products

Self-Insured Workers' Compensation Funds for Your Industry

Self-insured funds were established for the benefit of employers in Michigan, allowing them to form unique, industry-specific programs to control long term workers' compensation costs.  Owned and operated by actual members, self-insured funds offer the same protection as an insurance company but more efficiently.  With lower overhead expenses and better loss performance than insurance companies, self-insured funds pass the savings back to members by returning unused premium and investment income. 

Regency Group currently administers seven self-insured funds and works with independent insurance agencies who specialize in the industry-specific programs. Some of our programs require an agent appointment while others are open.  Please contact us for more information.

Committed to insuring Michigan contractors since 1995, the ABC Fund offers a 37% premium return to a variety of contractor employers and also suppliers to the construction industry.

The Michigan Cleaning Fund was established in 1981 and has an excellent track record of premium returns to its members including dry cleaning, industrial laundries, carpet cleaners, carwashes and commercial janitorial operations.

Specializing in country clubs, golf courses (private & public), yacht clubs, and riding clubs since 1983, the Michigan Clubs Self Insurance Fund has returned over 50% of a member’s premium. The Clubs Fund is endorsed by Michigan Golf Course Owners Association.

The MFPD Fund was established in 2007. This program has a wide range of eligible classifications including: food processing, food wholesale, food distribution -including pet food.

The Michigan Grocers Fund was established in January 2014 and is endorsed by the Michigan Grocers Association. Eligible businesses are generally known as a supermarket and/or grocery store whose volume of sales is primarily engaged in selling a general line of food and beverages.

The Michigan Floral Association & Michigan Nursery & Landscape Association has endorsed the MHI Fund since 1995. This program has an average 46% return and is eligible to florists, landscapers, nurseries, greenhouses, sod farms, garden centers, and wholesale suppliers.

Serving the hospitality industry since 1992, the MRL Fund is endorsed by the Michigan Restaurant Association and the Michigan Lodging & Tourism Association. The MRL Fund has returned an average of 48% of a participant’s premium.