Key Benefits

Major benefits of membership in NRSIG include:

Safety

• Exceptional support and specialized services for loss prevention and management
• Safety training designed for real operational needs of restaurants and food service firms

Claims

• Expert claims oversight and outstanding claims closure
• Hands-on professionals who work for each member, not for an insurance company
• Claims loss ratios under 20%
• Appropriate reserves to ensure the quick closure of claims
• An on-line claims reporting system that speeds up claims monitoring and provides immediate access to claims data and status
• Comprehensive protection against catastrophic claims through the best excess insurance coverage in market
• Special support on the effective use of first aid
• Medical service provider networks developed by a team that has pioneered innovations in business-provider partnerships

Dividends

• NRSIG returns every available dollar to members through annual “dividends,” or assessment rebates. Although these potential dividends – which can range from 20-60% of a member’s annual assessment – cannot be promised by law, they are a major objective of NRSIG
• Dividends are primarily based on individual member performance, so those who effectively control claims and costs benefit the most

Stability

• Fast-growing financial security due to low claims costs, tightly controlled expenses and steady membership growth
• Underwriting to attract the top-performing companies in the industry and unmatched claims and safety support that keeps them in the program
• Future cost for members is based on experience of the group, enabling NRSIG to benefit from its strong safety and claims support and return that cost benefit to its members