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MRL Fund Members Celebrate 30 Years with Exceptional Return

Fund Returning Profits to Members

MRL FUND - Celebrating 30 Years - $100 Million Back to Members since 1992!

Congratulations Michigan Restaurant & Lodging Fund members!  As a member owned self-insured workers’ compensation program, the MRL Fund has become the largest workers’ compensation provider for Michigan’s hospitality industry.  With continued focus on safety, the MRL Fund participants will celebrate the Fund’s 30th anniversary with another exceptional return going back.  This year, members will receive a $7.3 million credit for good performance on their 2022 renewal.  This brings the total returned since inception to over $100,290,000 and represents a 48% average return of premium. 

As always, Fund members receive stable yet competitive upfront pricing.  The MRL Fund’s excellent track record has insulated its members from the turbulence of the traditional insurance marketplace to keep its members’ cost low and predictable.  This competitive pricing, along with the MRL Fund’s selective approach to underwriting new members, is designed to save members money on the total cost of workers’ compensation over the long term.  This results in lower net premium costs based on the excellent performance of the group.  

Additionally, The MRL Fund takes the responsibility for the costs associated with claims and workplace safety very seriously.  Reducing the costs associated with workers’ compensation claims means more profit to go back to members.  The Fund’s Board of Trustees, elected by the members, governs the operation of the fund and provides authorization on claims settlements. Also, aggressive claims management, through lower caseloads per adjuster, allows for more time to proactively handle claims and reduces overall claims costs.  

The MRL Fund offers its members numerous safety resources and loss control programs that are specific to the hospitality industry.  Some of the educational training focuses on creating a safety culture in the workplace, by working with owners/supervisors on proper claims handling, accident investigation, return-to-work programs and making every employee accountable for safety on the job.  The Fund works with loss control specialists who provide sound guidance and cost-saving solutions on safety and loss prevention for its members.  The online safety center includes a comprehensive human resource library at no cost to members.  It provides in depth information on the most current federal and state employment laws, as well as a complete range of downloadable forms, posters, and literally hundreds of topics. 

For most members, the cost savings is the primary reason they insure with the MRL Fund.  It has proven to dramatically reduce the overall costs of their workers’ compensation insurance year after year.  Each member can further reduce their costs with the help of the Fund’s loss control resources available in preventing claims and reducing the frequency and severity should claims occur. 

The MRL Fund was established in 1992 to benefit hospitality employers by controlling costs, reducing accidents through loss control, providing aggressive claims oversight, and returning surplus money back to members.  

The MRL Fund is endorsed by the Michigan Restaurant and Lodging Association. This member-owned program is sold and serviced by a statewide network of independent insurance professionals that concentrate in the restaurant and hotel industries. For more information, contact the Fund Administrator, RPS Regency at 800.686.6640 or visit