Retailers Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Retailers Insurance Company is a workers’ compensation-focused carrier writing through independent agents. Official site language indicates a broad small-to-midmarket appetite rather than a detailed class-code appetite guide: while rooted in retail, the carrier states it serves a wide range of Michigan and Indiana businesses and specifically mentions sectors ranging from auto repair shops to accounting offices. Current published positioning suggests preferred business includes retail and other Midwest employers with established operations, attention to workplace safety, and interest in return-to-work and loss-control practices. The workers’ compensation product highlights competitive pricing, $2 million employer’s liability limits, automatic terrorism coverage, and a standard cyber liability feature with $100,000 aggregate coverage, plus credits/discount consideration for employee health insurance, pre-employment medical exams, drug screening, video surveillance, light-duty return-to-work programs, active safety programs, employee assistance programs, and strong MOD history. Geographic notes: official pages explicitly reference serving Michigan and Indiana businesses; agent registration also lists licensed states as Michigan and Indiana, so current verified footprint appears limited to those two states. No official public underwriting/appetite page was found that lists specific restricted or declined classes, prohibited operations, payroll thresholds, or class-code exclusions; therefore those items are not publicly verified and should be confirmed directly with underwriting before marketing higher-hazard risks. Submission/distribution notes: business is placed through independent agents, and the site offers agent account registration for appointed agencies to access online automated quoting for workers’ compensation and the secure agent portal. Producer onboarding materials indicate producer appointment and licensing information are required, and the agent registration workflow requests NPN, license details, agency information, and agency principal due-diligence signoff. Broker/producer notes: use appointed independent agents; expect online quote/portal usage for workers’ comp; policyholders and agents also receive access to the Retailers ResourceHUB, which includes HR, OSHA/safety, compliance, training, and cybersecurity resources as a policy benefit. Operationally, this carrier appears best approached for MI/IN workers’ compensation accounts with solid controls and standard operations, while any unusual, heavy-hazard, or gray-area classes should be pre-cleared with underwriting because no public class appetite or declination guide was verified.