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About Us

Kentucky Retail Federation Self Insurers Fund

In 1994, the Board of Directors and membership of the Kentucky Retail Federation identified a need for specialized workers’ compensation coverage in regards to the Commonwealth’s retail and service operations. The Federation established KRFSIF to meet the unique requirements for all Kentucky retailers and service industry. Today, the Fund is proud to celebrate over 20 years of service insuring a broad range of retail and service sectors, from large multiple facility businesses to “mom and pop” operations. A full list of class codes covered is located on this site in the Underwriting Guidelines section.

KRFSIF is governed by a Board of Directors and the Department of Insurance. The Fund is managed by CCMSI, a leading third party administrator for workers’ compensation and property/casualty self‐insurance programs. Since 1978, CCMSI has successfully administered and provided claims services to more than 400 individual and group clients nationwide. CCMSI has a 98% satisfaction rate, which is unparalleled in the industry.

Combining local, Kentucky-based claims management and loss prevention services with experienced, national third party administrative services has been a winning combination since 2004.


CCMSI Satisfaction Rate

Satisfied Members

Years of Coverage Service


Cannon Cochran Management Services, Inc.

CCMSI is KRFSIF’s service partner for all administrative and claims services. This includes marketing, underwriting, claims adjudication, utilization review, loss prevention services and financial management. CCMSI operates approximately 25 offices throughout the United States, employs over 1000 professionals and manages $250 million in public entity insurance premium worldwide. They specialize in group management and provide services for many groups throughout the United States, including a number of public sector pools.

Kentucky Retail Federation

With over 6,000 members, the Kentucky Retail Federation is the largest retail industry trade association in the state and represents retailers of all types and sizes. The Kentucky Retail Federation is the “Voice of Retailing” throughout the Commonwealth, representing retailers of all types and sizes since 1939. From Main Street to the mall, retailers enhance Kentucky’s communities and provide a better quality of life for Kentuckians everywhere. Kentucky’s retail industry employs 360,000 Kentuckians and pays more than $6.3 billion in wages annually. Retailers collect over $2.5 billion in state sales tax and pay millions in other taxes to state and local governments. The KRF is a non-profit trade association created to improve the retail business climate in Kentucky. Members come from across the Commonwealth of Kentucky and are as diverse as the products they sell, from department and drug stores to hardware, apparel, and building supply retailers.