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W e l c o m e

The place to turn for workers’ compensation insurance.

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45+

YEARS OF

EXPERIENCE

Customer service representative assisting MCWCF members via phone.

Serving public agencies throughout Michigan since 1979.

The Michigan Counties Workers’ Compensation Fund (MCWCF) provides workers’ compensation insurance, claims servicing and safety training to public agencies throughout the state of Michigan. We have more than 80 members in our nonprofit pool, including counties, villages, libraries, courthouses, transit authorities and other government-funded entities.

MCWCF has been in operation since 1979 and continues to experience stable operation and growth each year. Our members benefit from our services, grants and dividends, and enjoy having a community resource that knows and understands the needs of public agencies.

  • 45 years in service
  • An impressive 35% average return rate for members
  • Over $4 million in dividends paid in 2024 alone
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Delivering Results for our Members
Dividends Paid in 2024
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Average Return Rate
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Government Agencies

Government Agencies

Law Enforcement

Law Enforcement

Municipal Governments

Municipal Governments

Emergency Services

Emergency Services

Libraries

Libraries

Transit Authorities

Transit Authorities

Mental Healthcare Facilities

Mental Healthcare Facilities

Public Works

Public Works

Government Agencies

Government Agencies

Law Enforcement

Law Enforcement

Municipal Governments

Municipal Governments

Emergency Services

Emergency Services

Libraries

Libraries

Transit Authorities

Transit Authorities

Mental Healthcare Facilties

Mental Healthcare Facilties

Public Works

Public Works

Learn More About MCWCF

Personal Service. Big Savings.

Since 1979, we have been committed to offering comprehensive workers’ compensation insurance services at reasonable prices. Excellence in customer care is at the heart of all we do. Our members benefit from our services, grants and dividends, and enjoy having a community resource that knows and understands the needs of public agencies.

Our Services

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Our Clients

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For Our Members

Workplace Safety Grants

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Awarded to Members
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We’re excited to offer our members the chance to apply for up to $5,000 in grant funds to support workplace safety improvements.

Our Loss Prevention Grants Program has funded a wide range of safety projects, from police officer vests to ergonomic desks, making workplaces safer and more efficient.

Since the program’s start, MCWCF has awarded over $345,000 to our members.

Apply today to enhance safety at your organization!

Apply Now

Serving Public Agencies Throughout Michigan

Hear From Our Members

Otsego County was a 2014 recipient of the Michigan Counties Workers' Compensation Fund Loss Prevention Grants Program, and purchased ergonomic chairs. This investment will have lasting benefits on our day-to-day work. I've already noticed a significant improvement—less back and shoulder stiffness after long days at my desk! I hope this grant can be continued in the future.

Rachel Frisch Otsego County, Administrator

Being awarded this [loss prevention] grant means so much to me on a professional and personal level. It's another tool to promote a healthy lifestyle in the workplace. I am privileged to work for an employer who continues to encourage and support a safe working environment.

Stephannie Vallier Mackinac County Sheriff's Office

We chose MCWCF over commercial insurance for the cost savings in 2014. In this short period of time, I have been selected as a grant recipient, met with the loss prevention consultant, downloaded safety webinars and received our first dividend. We look forward to continuing our membership for many years to come.

Phyllis Yff Interurban Transit Authority in Allegan County, Executive Director

Dispatchers can spend 12 to 16 hours seated each day, making supportive chairs essential for their health and well-being. Thanks to the MCWCF Loss Prevention Grant, Chippewa County Central Dispatch was able to purchase ergonomic seating and an adjustable stool for those who prefer to work with their consoles elevated. A big thank you to MCWCF for supporting our dispatchers' health!

Missy Robbins Chippewa County Central Dispatch, Director

Latest News

Michigan Counties Workers’ Compensation Fund Announces Otsego County as the 2026 Safety Grant Recipient

In a continued commitment to employee safety, the Michigan Counties Workers’ Compensation Fund (MCWCF) proudly announced the recipients of its 2023 Loss Prevention Grants. Six deserving projects were awarded, totaling $15,700.65 in funds to enhance workplace…

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Dividends and Dedication: MCWCF’s Commitment to Members

Members of the Michigan Counties Workers’ Compensation Fund (MCWCF) once again are receiving premium dividend checks – a reflection of the Fund’s continued strong performance and commitment to safety.

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MCWCF Awards $21,749 to Municipalities Improving Employee Safety

Continuing its unwavering commitment to employee safety, the Michigan Counties Workers’ Compensation Fund proudly announces the recipients of its 2024 Loss Prevention Grant program. This year, five innovative and essential safety projects received funding, totaling $21,749…

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