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
Fill in the form below to become a 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
NO Minimum Premium (except autobody $5,000 MP)
$15,000 Minimum Premium (assisted living)
$25,000 Minimum Premium (nursing home)
$2,000 Minimum Premium
$2,500 Minimum Premium
$50,000 Minimum Premium for home health related
$3,000 Minimum Premium
$250 Minimum Premium
Past dividend history is no guarantee of future results.
What are our members saying?

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.”

Darylyn McGrath
Safety Specialist | Zildjian
“The experience and expertise of Cove Risk’s safety consultant is one of our biggest assets.”

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."