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Fund News: 2023 Renewal Gives Back $1.1 Million to Members

Money BackCongratulations Michigan Clubs Self Insurance Fund Members!  The Fund is pleased to announce a profit distribution of $1,106,512 to be returned to members! This represents an average return equal to 50% of a member’s annual premium. As a member-owned program, all premium collected that’s not used for claims and administrative expenses is returned back to members.  Since its inception in 1983, the total profits returned are over $23,700,000.

The Michigan Clubs Self Insurance Fund has several distinct advantages over most standard insurance carriers. The Fund’s excellent performance has insulated its members from the turbulence of the traditional insurance marketplace. From substantial profit returns to aggressive claims handling, the Fund is the most cost-effective workers’ compensation option for its members year after year. Most importantly, Fund members receive stable yet competitive upfront pricing. This competitive pricing, along with the 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.

By focusing on accident prevention and proper claims management, Fund members continue to keep their costs down as low as possible. The Fund offers its members numerous safety resources and loss control programs that are specific to the clubs industry. Some of the Fund’s 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.

In addition to safety, workers’ compensation claims are treated with great diligence in the way they are handled. The Fund reviews all indemnity claims and sees every claim dollar being spent as their money. These costs are controlled by fighting fraudulent claims and requiring claim settlements to be authorized by a board of trustees, comprised of Fund members. 

Congratulations on another financially rewarding year!  If you’re not currently a member, you’re missing out on the many benefits the Michigan Clubs Self Insurance Fund has to offer. Please contact Fund’s Administrator, RPS Regency, for more information or

Established in 1983, the Michigan Clubs Fund is endorsed by the Michigan Golf Course Association.  The Fund is sold and serviced by a large network of independent insurance agents located throughout Michigan dedicated to the industry.  To qualify as a member, the majority of payroll must fall into one of the following classifications: country clubs, golf courses (public & private), athletic clubs, yacht clubs, hunt & riding clubs, and ski clubs.