Become a Cove Risk Agency Partner

We at Cove Risk have been leading Third Party Administrators (TPAs) for Self-Insured Groups (SIGs) for over 35 years. With all that monoline experience, there is no surprise that we are considered Workers’ Compensation Specialists in our field.

Our self-insured workers' comp groups have dividend potential, competitive premiums, specialized claims handling, and a unique safety focus, while offering your clients a local approach to coverage in Massachusetts and New Hampshire.

Other fast facts include: Cove Risk programs are available ONLY through Licensed Independent Agents. There are over 425 Agencies in the Northeast that represent our Programs today! Our Agents enjoy a 99% rate of retention. Businesses in our groups stay because they enjoy the savings, as well as the local claims and safety expertise Cove Risk provides.

Want to learn more?

Becoming Appointed with Cove Risk is EASY...

No Contracts

No Volume Commitments

No Hassle

PLUS...We offer Competitive Commissions

What are other agents saying about us?

"I built a large book of business by placing small businesses in the Cove Risk workers' comp programs. As l look back over my 25 years as an agent, it's the best kept secret -- smaller policies with high retention and fewer claims have given my agency a solid financial foundation.

Frank M - Cove Risk agent partner

Required Form: W-9
For commissions to be paid, please complete, sign and submit your W-9 to:  submissions@coverisk.com
Download W-9 form here: http://www.irs.gov/pub/irs-pdf/fw9.pdf

We are able to pay commissions by EFT, upon request and completion of our EFT form. 

Local Matters!

Providing local workers’ comp coverage, serving local businesses, 
through local Independent Agents in MA and NH

 
Our Cove Risk self-insured workers' comp groups:
Member-Owned Insurance Groups
Local Claims Management Expertise
Superior Premium Savings
Dividend Potential
Over 5,000 MA & NH Local Business Owners
Proactive Health & Safety Consulting Services
Administered by Industry Leading WC Specialist, Cove Risk
 Group Longevity – most over 30 years

 

Cove Risk 6 workers comp groups

 1 - Massachusetts Retail Merchants Workers’ Compensation Group
various retail, wholesale, hospitality, auto service and cannabis business!
NO Minimum Premium (except autobody $5,000 MP)
 
2 - Massachusetts Care Self-Insurance Group
nursing and convalescent homes, assisted living, VNA
$15,000 Minimum Premium (assisted living)
$25,000 Minimum Premium (nursing home)
 
3 - Massachusetts Manufacturing Self-Insurance Group
various manufacturing and fabrication businesses
$2,000 Minimum Premium
 
4 - Massachusetts Healthcare Self-Insurance Group
small hospitals, community health centers, medical professional offices, non-profit, health & human service
$2,500 Minimum Premium
$50,000 Minimum Premium for home health related
 
5 - Massachusetts Trade Self-Insurance Group
general trucking, freight and couriers, fuel dealers, sand & gravel, wholesalers
$3,000 Minimum Premium
 
6 - Association Members Workers’ Compensation Trust (NH)
 various retail, wholesale, hospitality, golf & country club, campgrounds, & auto service businesses
$250 Minimum Premium
 
For qualified risks only. Participation in a workers’ compensation self-insurance group is not the equivalent of purchasing an insurance policy.
Past dividend history is no guarantee of future results.   

What are our members saying?

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Erin CB Stuffer 600px
Erin Calvo-Bacci
CB Stuffer

"It gives me peace of mind knowing my WC coverage is local and best of all – small companies save even more! Highly recommend joining this group.”

 

Zil 1
Darylyn McGrath
Safety Specialist | Zildjian

“The experience and expertise of Cove Risk’s safety consultant is one of our biggest assets.”

 

MaryLou
Marylou Sandry
Marylou's Coffee

“This program is the opposite of an insurance company and that’s the beauty of this program. And all that extra money that would go to the  insurance company is going to you in dividends."

 

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CoveRisk

A PARTNER IN YOUR SUCESS

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