Safety pays you back

In our company, safety is at the forefront. We will work with our policyholders to create safety programs that focus on identifying risk to fit their business’ needs. For our policyholders that share our same safety-conscious mindset, we pledge to provide strong dividend programs—and we have a consistent history of paying rewards to our policyholders.

What is a dividend program?

When your workers’ compensation coverage is through RetailFirst, you have the opportunity to earn back a portion of your workers’ comp premium through RetailFirst’s competitive dividend programs. RetailFirst’s dividend programs pay out monetary rewards each year to conscientious employers who are dedicated to employee safety. Sure, accidents happen. And not all workplace injuries can be prevented. But smart employers know that strategic safety precautions and an effective return-to-work program can dramatically lower claims costs.

How do you benefit?

It’s simple. RetailFirst’s dividend programs may actually put money back in your hands based on your annual losses. The lower you keep your total claims costs during your policy year, the higher your year-end reward could be. That’s the best part of this program—you can contribute to your success.

How does it work?

Your reward is based on the amount of premium you have paid and the total costs of your claims during the policy year. In other words, your claim history determines the percentage of your premium that may be returned to you as a reward.** RetailFirst has a long and consistent history of paying rewards to policyholders.

Please ask your independent insurance agent for more information about RetailFirst’s dividend programs. Other eligibility requirements may apply based on your workers’ compensation program and your policy type.


**Dividends are declared at the discretion of the board of directors and are not guaranteed.