The Kentucky Retail Federation Self Insurers Fund (KRF-SIF) was founded in 1994 by the Federation in order to meet the workers’ compensation coverage needs of the state’s retailers. The KRF-SIF is overseen by a board of directors that is comprised of members of the KRF and is managed on a day to day basis by Cannon Cochran Management Services, Inc. (CCMSI). In January, 2004, CCMSI was awarded the management and marketing contract for the Fund. As a result, the Fund is now offering expanded benefits and services.

Among Those Are:

  • Local, Kentucky based claims management, with adjusters who have experience handling Kentucky claims
  • Dedicated account manager who works closely with the client and liaisons with the actual claim adjuster to ensure that lines of communication are always open
  • New 24/7 toll-free telephonic claim reporting
  • Reduction of employer paperwork—KRF/CCMSI claims representative completes reporting forms for the client
  • Dedicated loss control and prevention evaluation and training at no cost to our insureds
  • Library of loss control videos are available for use by our insureds at no charge
  • Experienced claims staff with open claims limited to 140 maximum per lost time adjuster
  • Competitive premium rates
  • Non-profit organization, organized and managed by Kentucky Retailers, for the benefit of Kentucky’s retailers


Read our member testimonials and download our KRFSIF brochure.

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Kentucky Retail Federation

The Kentucky Retail Federation is the "Voice of Retailing" throughout the Commonwealth, representing retailers of all types and sizes since 1939. From Main Street to the mall, retailers enhance Kentucky's communities and provide a better quality of life for Kentuckians everywhere. Kentucky's retail industry employs 360 thousand Kentuckians and pays more than $6.3 billion in wages annually. Retailers collect over $2.5 billion in state sales tax and pay millions in other taxes to state and local governments.

If you are a member of the Kentucky Retail Federation and you do not currently have your worker's compensation coverage through the KRF-SIF, contact your agent to obtain a quote.