Mackinaw Administrators is approved as a Third-Party Administrator by the states of Michigan and Ohio. Service plans are customized to meet each client's unique needs and we provide aggressive, proactive claims management. Claims are managed in our real-time, web-based claims system and reports are available 24/7. Our claims specialists are licensed and have extensive experience in claims adjusting. We adhere to full disclosure and transparency practices and are SSAE Type 16 audited annually.

What is Self-Insurance?

Under a self-insured arrangement, employers pay costs as they are incurred. An employer can be self-insured as an individual or participate in a self-insured group. Self-insurance is a great option for any employer with $200,000 or more in annual premium and excellent loss history.


  • Cash flow-claims pay as you go
  • Control over claims and loss control
  • Low fixed cost
  • Investment income


  • Non-deductibility of reserves
  • Increased responsibility
  • Volatility-controlled by excess

Qualifications (Don't worry-we walk you and your client through every step!):

  • Must have an excess WC policy in Michigan (we represent three major carriers with A.M. Best rating of A or A+)
  • Must have state approved TPA (we are approved in Michigan and Ohio)
  • Must request approval from State
  • Must have security in form of a Letter of Credit
  • Excess will require minimum of the standard premium for aggregate

For a Self-Insured Quote contact:
Donna Cianciolo at or (810) 844-8110

Excess Insurance

We also place Excess Insurance for Self-Insured entities with the following carriers:

  • Safety National Casualty Corporation
  • Midwest Employers Casualty Corporation
  • Midlands Management

For an excess quote, please submit the following to

  • 10 year loss history
  • 5 year historical payroll by class code
  • Projected payroll by class code
  • Listing of all locations with employee count