KRF-SIF was established by the Kentucky Retail Federation in 1994 in response to the specialized workers’ comp coverage needs of the Commonwealth’s retail operations.
The Fund insures a broad range of retail sectors, from large multiple facility businesses to “mom and pop” operations. A full list of class codes covered are located on this site in the Underwriting Guidelines section.
KRF-SIF is overseen by a Board of Trustees appointed by members and is overseen by the Department of Insurance. Day to day management is conducted by CCMSI, a leading third party administrator for workers’ comp and property/casualty self-insurance programs. Since 1978, CCMSI has successfully administered and provided claims services to more than 400 individual and group clients nationwide.
CCMSI has a 98% satisfaction rate, which is unparalleled in the industry. Combining local, Kentucky-based claims management and loss prevention services with experienced, national third party administrative services has been a winning combination since 2004.