---
title: MAM Dividends
description: MAM Retail Dividend Chart
---

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# 2025 Dividends

FACTS AND FIGURES

-  **$54 Million** in **dividends** generated to members since inception
-  Lifetime average **dividend 16% of premium**
- ** Upfront premium savings**: applied **premium discounts**, **volume discounts** and **reduced policy fees**<https://landing.coverisk.com/hubfs/NH%20Grocers%20Association%20Benefits%202025.pdf?utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz--Far3N9RrpFz4lYaYpNUnKdCTuVfHLJiCd0Yi7_0MPPkVsyxaZZX9JKoWpFm7-Z327q_JC&hsLang=en> 
- ** Massachusetts**-based Claims Management and Safety** Consulting Services from industry expert, **Cove Risk****

![MAM Dividend 9 29 252](https://landing.coverisk.com/hubfs/MAM%20Dividend%209%2029%20252.jpg "MAM Dividend 9 29 252")

### How are Dividends Disbursed?

Surplus for each policy term may be declared by the Board following 3 years of claim maturity, and is disbursed in multiple installments. The dividend check received in 2025 included surplus premiums declared from the policy terms of 2022, 2021 and 2020. All members are eligible for dividends, regardless of claims experience. Each member receives the same dividend percentage applied to the members’ audited premium. By member agreement, dividends may be forfeited should the member leave the group without proper notice.  

 

\*Past dividend history is no guaranty of future results.

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