About Us

Treat each customer as if they were your one and only.

What's the difference between Cove Risk Services and the rest? Quality, experienced professionals all under one roof, working together to provide the best services in the industry. The philosophy is simple but seldom replicated in the workers' compensation industry.

Cove Risk Services clients and broker partners are given service that has long been forgotten in a "service" industry.

01Responsible underwriting

02Superior customer service

03Outstanding claims service

04Proactive safety services

05Comprehensive excess insurance

06Convenient payment programs

Our Programs

Six self-insured groups, one administrator.

Cove Risk Services proudly administers these workers' compensation groups for employers across Massachusetts and New Hampshire.

Massachusetts

Retail Merchants Workers' Compensation Group

For the retail and restaurant industry.

Massachusetts

Care Self-Insurance Group

For the healthcare industry.

Massachusetts

Healthcare Self-Insurance Group

For the healthcare industry.

Massachusetts

Manufacturing Self-Insurance Group

For the manufacturing industry.

Massachusetts

Trade Self-Insurance Group

For the transportation industry.

New Hampshire

Association Members Workers' Compensation Trust

For retail, grocers, hospitality, and golf and country clubs.

"Over the last five years the dividends I have received have offset about 33 percent of my total premiums. I wish my investments during this same period had done this well."

Howard Honigbaum, Auto Sound, Inc.

Cannabis businesses
Now accepting cannabis businesses into the MA Retail Merchants Workers' Comp Group.

Ask About Eligibility

Services

Many systems. One solution.

Departmental System Integration

By pooling talent and encouraging collaboration, our integration unit promotes:

Cost containment of claims
Paperless policy processing
Convenient online services
Financial statements that tell a story
Hit ratio reports on marketing success

Underwriting

Our experienced underwriters know what it takes to keep workers' compensation programs profitable. With careful attention to each program's unique and strict guidelines, they thoroughly review each prospective member for an appropriate fit.

Easy Pay

Automated payment alternatives and plans that meet the specific needs of your business, including up to 12 monthly installments by electronic funds transfer, and Pay-As-You-Go options coordinated with your payroll.

Specialized Account Handling

Safety Services and Claims work together to analyze risks large or small, conduct on-site assessments, analyze claims history, identify potential losses and recommend improvements.

Customers

Everything you need, in one place.

Report an Injury

Our preferred method of reporting is an electronic injury report. Have all employee demographic and accident information handy; missing information can delay claim set-up. Cove Risk reports claims electronically on your behalf with the required state agency in both Massachusetts and New Hampshire.

Can't report online? Fax a completed injury report to 800-382-8891 (Attn: New Claims Reporting) or email [email protected]. Do not email individual employees with injury reports. Or call 800-790-8877, option 1.

Employers must notify OSHA of a fatality or severe injury. OSHA reporting requirements.

Payment Options

Easy Pay / EFT: up to 12 monthly installments in MA and NH, no installment fees.
Pay-As-You-Go: ties payroll reporting to premium payments and often replaces time-consuming audits.
Pay online: have your invoice handy.

Pay Online

Pay by phone: (844) 321-9519 through Invoice Cloud (Cove Risk cannot take payments over the phone). Questions: (800) 790-8877 option 3 or [email protected].

Safety Services

Our health and safety consultants provide on-site consultations, recommendations for specific risks, gap analysis against best practices, and access to risk control resources, helping members avoid costly claims and maximize dividend potential.

The Safety Awareness for Everyone (S.A.F.E.) Program offers online forms, sample policies, checklists, posters, presentations and training tips to members of groups administered by Cove Risk. Already a member? Call 800-790-8877.

Claimants & Fraud

Injured employees: for questions about your claim, contact your adjuster at 800-790-8877 or fax 800-382-8891.

Report fraud: not all claims are legitimate. If you suspect fraud in your workplace, tip off our special investigations unit anonymously through our fraud hotline at 800-790-8877.

Agents & Brokers

Our success depends on yours.

Our relationships with agents are long-lasting and productive. As your partner, we provide the resources you need to place your clients' workers' compensation.

Become an Appointed Agent

Agent resources

Informational brochure
Underwriting guidelines for all six groups
Steps to quote and bind coverage
Supplemental forms: automotive, bakery, cannabis, restaurant
Payment options

Industry handouts

Massachusetts: auto services, breweries, beer & wine distributors, cannabis, food wholesalers, golf and country clubs, healthcare & human service providers, liquor stores, manufacturing, long-term care, restaurants, retail, transportation of goods, wholesalers, wine stores.

New Hampshire: auto services, campgrounds, casinos, convenience stores, food wholesalers, golf and country clubs, grocery stores, restaurants, retailers, wholesalers.

News & Safety Tips

Keep your people safe.

NH dividend announcement. The Association Members Workers' Compensation Trust paid $154,750 in dividends to employer members in 2023, bringing the total since its 2004 inception to $1,874,750. The trust includes nearly 400 New Hampshire businesses and offers upfront savings of up to 25% to qualified risks compared with many traditional carriers.

A Safe Workplace Includes Safe Employees: Hiring Matters
Creating and Maintaining a Safety Policy
Defensive Driving and Staying Safe on the Roads
Deliveries and Safety
Employee Orientation & Training
Freeze, Melt, Refreeze
HazCom
Preparing Employees for Winter Weather
Ladder Safety
Preventing Falls from Heights
Safe Stairways in the Workplace
Safety Incentives
Slips, Trips and Falls
Smart Workplace Ergonomics
Workplace Hazards
Zildjian Saves Big with Workplace Safety Changes

Let's talk coverage.

Call to request a quote, ask about a program, or reach claims and customer service.

Phone: 800-790-8877 / 781-843-0005
Fax: 800-382-8891 / 781-843-0565
Claims correspondence & billing: Cove Risk Services, LLC
P.O. Box 859222-9222
Braintree, MA 02185
Customer service: [email protected]
Hours: Call for current hours

Call 800-790-8877 Email Us

Careers

Join a team that makes a difference.

We are a small group of professionals with decades of combined experience and a shared commitment to doing right by our policyholders, agent partners and one another. Competitive compensation and benefits, professional development, and a hybrid-friendly environment (role-dependent).

Now hiring: Accounting Assistant. Send your resume to [email protected].

Cove Risk Services is an equal opportunity employer.

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