Group Profile

Serving New Hampshire’s Retail Merchants; Grocers and Suppliers; Restaurants; Golf and Country Clubs; and the Hotel and Hospitality Trade


The New Hampshire Retail Association (NH Retail Assoc) and the New Hampshire Grocers Association (NHGA) have teamed together to offer a self-insured workers’ compensation program just for members. An association-based program gives the member more control, lower costs and better service. Easy Pay automated payment plans are available.


>>Trust Profile (printable copy)

>>Underwriting Guidelines

>>Membership Applications & Other Forms


Upfront SAVINGS as much as 25%

Call Kevin Daigle at 603-669-9333 for your quote today!


Trust Start Date  July 1, 2004

*Cove Risk Services, LLC assumed administration of the Group in November 2011.

  • Contributions (premium equivalent)  $3.45 Million (2/14)
  • Participating Companies:  510
  • Excess Insurance Carrier: Midwest Employers Casualty Co. (A.M. Best: A+)
  • Accounting  Howe, Riley & Howe, PLLC
  • Actuary : Milliman USA
  • Administrative: Cove Risk Services, LLC




Association Members Workers’ Compensation Trust

Board of Trustees

Nancy Kyle - NH Retail Association,  Bow, NH       

Kevin Daigle - NH Grocers Association, Manchester, NH

Peter Davenport - New Harvester Market, Henniker, NH       

Mark Reingold - Endicott Furniture, Concord, NH

Allan Hulse - CenterPoint Business Advisors, Littleton, NH       

Donna Goodrich - Top Furniture, Gorham, NH

Association Members Worker's Compensation Trust

NH Grocers Association Announces Dividend Payments Totaling $113,000 to Members in the Workers’ Comp Program 


Press Release: MANCHESTER, NH  

Date: SEPTEMBER 2015


The NH Grocers Association is proud to announce that our Association Members Workers’ Compensation Trust paid dividends for the seventh year totaling $1,174,000 since inception to New Hampshire businesses that participated in the program during years 2012 and 2010. 

The dividends, a portion of which have been previously distributed, were declared at the following percentage amounts for the stated policy years:
* 2012 declared percentage: 12.3%
* 2010 declared percentage: 12.0%

Since its 2004 inception, the New Hampshire-based trust has paid $1,174,000 in dividends to participants, an average return of 9.0% in member contributions (premium equivalent).  The dividends payments in 2015 total $113,000.

A self-insured workers’ compensation group program for NHGA members, the trust currently includes over 500 New Hampshire businesses with over $3.1 million in annual contributions. The trust offers upfront savings of up to 25% to qualified risks compared with many traditional insurance carriers.
The program was created in 2004 when the NH Grocers Association and the New Hampshire Retail Merchants Association partnered to create a more cost-effective workers’ compensation program for members of the two organizations. The trust is administered by Cove Risk Services, LLC, a leading third-party administrator of self-insured workers’ compensation groups in New Hampshire and Massachusetts.


© 2018 New Hampshire Grocers Association

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Thank you to our Medalist Sponsors who make our programs possible.