DISCOUNTED Workers' Compensation INSURANCE

TAILORED FOR OFF PREMISES RETAILERS OF ALCOHOL BEVERAGES

The MASSPACK Workers' Compensation Insurance Program is offered through the Massachusetts Retail Merchants Workers’ Compensation Group is a self-insured group that saves MASSPACK members money. IT IS NOT A GIMICK. Substantial money is saved by MASSPACK members when the combined premiums of all program participants  are invested and the profits for the group are distributed back to members in the form of dividends.

Dividends have been issued out to group participants every year over the past 30 years! All members are eligible for dividends, regardless of claims experience. Each member receives the same dividend percentage applied to the member’s audited premium. These annual dividends often exceed the cost of association membership.

There is more good news about the MASSPACK WC Insurance Program. The cost of insurance through the MA Retail Merchants WC Group is often far less than insurance offered by other groups. Members have Saved Over $105 million (29 year savings = upfront discount and dividends). To be eligible, participating stores must maintain membership with MASSPACK in good standing. START SAVING TODAY!

Massachusetts Retail Merchants Workers Compensation Group, Inc. Organized and Sponsored by Massachusetts Package Stores Association Inc. Facts and Features Combined savings of 30% (discounts and dividends)  $70 million in Dividends generated to members since inception Dividends Lifetime average 22% (10 year average 10%) No Expense Constant and lower DIA Assessment 4000+ participating companies Serving off-premises retail of alcohol beverages since 1991 Superior claims and customer service Convenient payment programs, including EFT and Pay-As-You-Go (coordinated through payroll reporting) A rated reinsurance protection Available through your trusted Insurance Agent

You may call Cove Risk direct at 1-800-790-8877 or, if you would like to be referred to an agent, contact the MASSPACK office at 1-800-322-1383 for a list of referrals.