FFlorida Retail Federation’s new Members Comp Dividend workers’ compensation program.

This program is being offered through AmTrust North America - Florida, ranked the #1 workers’ compensation insurance company in Florida. This program is not available directly through AmTrust, but exclusively through FRF’s agency – FRF Benefits. FRF and FRF Benefits have created an exclusive workers’ compensation partnership program with AmTrust that provides Florida Retail Federation members with:

  • An “A” rated carrier
  • 20% dividend eligible on accounts from $750 annual audited premium
  • Coverage not limited to Florida employees
  • Wide range of class codes available

Potential Maximum Dividend

Incurred Loss Ratio Maximum Dividend
0% 20%
1-5% 17%
6-15% 15%
16-20% 13%
21-30% 12%
31-40% 10%
Over 40% None
Dividends cannot be guaranteed under Florida law and are at the discretion of the Board of Directors. The above exhibit illustrates the potential maximum dividend payable under this program. This dividend only applies to premium and losses in Florida. Minimum audited discounted premium of $750.


FRF Benefits helps your business cut costs and remain competitive by offering high quality, money saving health and retirement options for your staff, making them more loyal and ensuring your business attracts and retains the best employees.

Learn more about the numerous ways FRF membership can help YOU!