Providing members with helpful information and resources is part of our mandate. We provide resources in this section of our website, as well as through our periodic eNewsletter to members, and in our annual members-only MCSIGA Resource Guide, and our Best Practices Guide (available on request to Members).
In addition, we provide information to non-member businesses looking to benefit by becoming part of a self-insured group for worker's compensation. We can also connect employers with an existing group that serves their business or industry.
A Self-Insured Group is a group of employers in a common industry who have joined together to provide workers’ compensation benefits.
Group members pay premiums to the self-insured group, and the self-insured group pays expenses and claims for injured workers. Left over funds are called “surplus funds," which are returned to members through premium reductions and dividends. This surplus would be a commercial insurance company’s profit.
Regulated by the State of Michigan, these not-for-profit self-insured groups are organized to provide superior services and programs for group members.
Run by a board of directors made up of members, groups contract for services normally performed by an insurance company, such as:
All of these, working together, keep costs low for members and reduce group exposure.
Fast and Fair
Comprehensive Loss Control Programs
If you're an employer and are interested in joining a self-insured group to help reduce your workers' compensation insurance costs and promote safety in your workplace, contact us.
We can help match you up to a group that serves your business or industry.
Email to request a copy of our helpful guide containing contact information for MCSIGA member groups, associate members (offering business, financial, legal and insurance services that our members can use), regulatory resources and more.
Also request a copy of our Best Practices Guide
State of Michigan Workers’ Compensation Agency
PO Box 30016
Lansing, MI 48909