For more than 20 years, the Florida Retail Federation Self Insurers Fund has provided employers in the retail industry with stable and strong workers' compensation coverage. Summit is the Fund's administrator and has been an integral part of the Fund's success since its inception in 1979.

FRFSIF is not an insurance company. It is:

• The largest not-for-profit workers' compensation self-insurance fund in Florida.
• Sponsored by the Florida Retail Federation, a premier lobbying group that works for Florida retailers and offers many cost-saving services and benefits.
• A member-funded alternative to traditional workers' compensation insurance that has returned more than $70 million in premium credits and has given $121 million in advance discounts to members over the years.

Services to members:

• Comprehensive loss-control services
• Monthly loss reports
• Safety education and training materials
• Drug-free workplace certification program
• Safety consultations
• Comprehensive claims-management services
• Subrogation
• Fraud investigation
• Medical cost containment
• Quality reinsurance through "A" rated carriers
• Out-of-state coverage available
• Toll-free hotline to report injuries (24 hours a day, 7 days a week)
• Statewide managed-care arrangement
• Provider network
• Dividend plan