Another Record Year for the MRL Fund
By: Michigan Restaurant & Lodging Fund

Congratulations MRL Fund Members! The Michigan Restaurant & Lodging Fund has achieved another record year with the latest return of $7,400,000. This year’s return is the largest distribution to date and is applied as a credit to qualified MRL Fund members on their January 1, 2023 renewal. This credit reduces the renewal down payment for the majority of participants to only $100. Since the MRL Fund’s inception, members have received over $107,690,000 which represents an average return of 48 percent.
“More than ever, our industry is looking for cost-saving solutions to improve their bottom line. The fund is the best option where participants will never overpay for their insurance,” said Justin Winslow, President & CEO of the Michigan Restaurant & Lodging Association. It continues to outperform the competition by offering upfront premium savings and substantial returns to reduce costs further.”
Success like this is made possible by the exceptional performance of continued low losses that MRL Fund members display. Reducing the costs associated with workers’ compensation claims lowers overhead expenses and leaves more profit to be returned. Also, the fewer claims the member incurs, the more money they receive back as the returns are weighted based on the individual member’s performance. The historical average return continues to highlight impressive results as 61 percent of members have no claims and are receiving an average profit return of 65 percent back.
The MRL Fund is governed by a Board of Trustees, elected by the members, who are responsible for its overall operation. The Trustees take responsibility for the costs associated with workplace injuries very seriously. In addition, aggressive claims management, through lower caseloads per lost-time adjusters, allows for more time to proactively handle claims. This helps to reduce overall costs while providing the injured workers with the best care available, restoring them to pre-injury health.
The MRL Fund is governed by a Board of Trustees, elected by the members, who are responsible for its overall operation. The Trustees take responsibility for the costs associated with workplace injuries very seriously. In addition, aggressive claims management, through lower caseloads per lost-time adjusters, allows for more time to proactively handle claims. This helps to reduce overall costs while providing the injured workers with the best care available, restoring them to pre-injury health.
The MRL Fund offers its members numerous loss prevention resources and loss control programs that are specific to the hospitality industry as a member benefit. This training has a strong focus on creating a safety culture in the workplace by educating owners and supervisors on proper claims handling, accident investigation, and return-to-work programs. Educating employees on effective work practices helps to make everyone accountable for safety on the job. This is achieved by the Fund’s loss control specialists who provide members with clear guidance as well as offering insight on other cost-saving solutions. In addition, an online safety center is available which includes a comprehensive, legally reviewed human resource library at no cost to members. This HR online platform provides in-depth information on the most current federal and state employment laws, as well as a complete range of downloadable forms, posters, and hundreds of topics.
For most members, the substantial 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.
The MRL Fund is endorsed by the Michigan Restaurant & Lodging Association (MRLA). This member-owned program is sold and serviced by a statewide network of independent insurance professionals who specialize in the restaurant and hotel industries. For more information, contact the Fund Administrator, RPS Regency at 800.686.6640 or visit mrlfund.org.
Fund Overview:
“More than ever, our industry is looking for cost-saving solutions to improve their bottom line. The fund is the best option where participants will never overpay for their insurance,” said Justin Winslow, President & CEO of the Michigan Restaurant & Lodging Association. It continues to outperform the competition by offering upfront premium savings and substantial returns to reduce costs further.”
Success like this is made possible by the exceptional performance of continued low losses that MRL Fund members display. Reducing the costs associated with workers’ compensation claims lowers overhead expenses and leaves more profit to be returned. Also, the fewer claims the member incurs, the more money they receive back as the returns are weighted based on the individual member’s performance. The historical average return continues to highlight impressive results as 61 percent of members have no claims and are receiving an average profit return of 65 percent back.
The MRL Fund is governed by a Board of Trustees, elected by the members, who are responsible for its overall operation. The Trustees take responsibility for the costs associated with workplace injuries very seriously. In addition, aggressive claims management, through lower caseloads per lost-time adjusters, allows for more time to proactively handle claims. This helps to reduce overall costs while providing the injured workers with the best care available, restoring them to pre-injury health.
The MRL Fund is governed by a Board of Trustees, elected by the members, who are responsible for its overall operation. The Trustees take responsibility for the costs associated with workplace injuries very seriously. In addition, aggressive claims management, through lower caseloads per lost-time adjusters, allows for more time to proactively handle claims. This helps to reduce overall costs while providing the injured workers with the best care available, restoring them to pre-injury health.
The MRL Fund offers its members numerous loss prevention resources and loss control programs that are specific to the hospitality industry as a member benefit. This training has a strong focus on creating a safety culture in the workplace by educating owners and supervisors on proper claims handling, accident investigation, and return-to-work programs. Educating employees on effective work practices helps to make everyone accountable for safety on the job. This is achieved by the Fund’s loss control specialists who provide members with clear guidance as well as offering insight on other cost-saving solutions. In addition, an online safety center is available which includes a comprehensive, legally reviewed human resource library at no cost to members. This HR online platform provides in-depth information on the most current federal and state employment laws, as well as a complete range of downloadable forms, posters, and hundreds of topics.
For most members, the substantial 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.
The MRL Fund is endorsed by the Michigan Restaurant & Lodging Association (MRLA). This member-owned program is sold and serviced by a statewide network of independent insurance professionals who specialize in the restaurant and hotel industries. For more information, contact the Fund Administrator, RPS Regency at 800.686.6640 or visit mrlfund.org.
Fund Overview:
Fund Advantages:
- 48% return of premium
- OWNERSHIP – increased control and members involvement
- Governed by a Board of Trustees who are participants in the fund
- Industry-specific safety program for the hospitality industry to help reduce injuries
- Excellent claims management with dedicated adjusters who know your industry
- Underwriting guidelines designed to screen out high risk applicants
- FREE online safety platform with hundreds of topics including legally reviewed human resources