BY JOINING YOUR FELLOW RAM MEMBERS, YOU CAN PARTICIPATE IN OUR SOLUTION TO THE WORKER'S COMPENSATION CRISIS. The Massachusetts Retail Merchants Workers' Compensation Group is a safe, self-funded program designed exclusively for retailers and restaurants, and administered by First Cardinal LLC and a Board of Directors composed of fellow RAM Members. This Association program gives you more control, lower costs, and better service.

The Retail Merchants Group is approved by the Massachusetts Insurance Department, and it is not assessed to cover losses incurred in the state-assigned risk pool. Why be grouped with every other business in the state when you can be ranked with retailers just like you who take care to ensure the safety of their employees? If you have a good upfront premium experience rating, there is an excellent opportunity to save money. In addition to savings, this program has a proven track record of over twelve straight years for the return of end of year dividends to your company. Qualified members have realized up to 50% savings through approved initial discounts and returned dividends averaging 33%.

For further specifics on the Mass. Retail Merchants Workers Compensation Group, please click here.

First Cardinal and Massachusetts Retail Merchants Workers' Compensation Group declare $2.4 million in dividends for members