As a self-insurance group formed under Minnesota Statute 79A, Greater Minnesota operates like a small insurance company whose members have each pledged their company assets against the performance of the group. Greater Minnesota, through its Board of Directors has selected partners and adopted strategies to achieve the highest quality results for its members. Partners include Mike Kane of Greater Insurance Service as fiscal agent, marketing/sales, and loss control coordinator and Mackinaw Administrators, LLC as third party administrator managing claims and providing risk control services.

Sharing of best practices for safety and loss control through an active claim/loss control committee composed of frontline employees of each member facility. Cost savings through aggressive return to work policies at each member facility, and through favorable pricing of in-facility medical services rendered to injured employees.

“The average experience modification factor for the members was 1.61 when we formed GMSIF.  Today the average experience modification factor for the members is .86 saving them thousands of dollars on their workers compensation premiums.”

The program is open to all Minnesota community and rural healthcare providers, you must go through Greater Insurance Service Agent Mike Kane.

Requirements- To Receive a Premium Indication:

  • 5 year loss history
  • Experience modification history
  • Current payroll
  • Application to the State
  • Reviewed financial statement

Requirements- To Bind Premium Indication:

  • Experience mod worksheet to accompany history
  • Current Declarations page including current payroll
  • $400 one-time only check payable to MN DOC
  • 5 years of review level financial statements required by MN DOC
  • Signed application and Indemnity agreements (these will be provided to review & sign)


For over 60 years, CMH has built an amazing array of services to meet the needs of our families, friends, and neighbors in the Cloquet community and beyond. Patients can expect short wait times, unrushed appointments, and a caring staff—including expert family physicians at our newly-merged CMH Raiter Family Clinic  . See for yourself why our patients say we’re a small-town hospital with big-hearted care.

Community Memorial Hospital
512 Skyline Blvd
Cloquet, MN 55720
Rick Breuer, CEO

Riverwood Healthcare Center serves Aitkin County and surrounding communities in north central Minnesota with a 25-bed Critical Access Hospital and three full-service primary care clinics in Aitkin, Garrison and McGregor. At Riverwood Healthcare, we offer healthcare services for every stage of life, including a wide range of specialty care and advanced procedures and surgeries, from a team of caring medical professionals.

Riverwood Healthcare Center
200 Bunker Hill Dr.
Aitkin, MN 56431
Casey Johnson, CFO

Mille Lacs Health System has been providing patients and visitors in the Mille Lacs Lake area  with trusted healthcare, since 1956. Based in Onamia, our services include a Hospital, ER and Urgent Care, Clinic, Rehab, Infusion therapy, Surgery, and many visiting specialists. With three neighborhood clinics in Isle, Garrison, and Hillman, we’re here for the patient’s whole family. We treat patient, not problems.

Mille Lacs Health System
200 elm St. N.
Onamia, MN 56359
Bill Nelson, CEO

Welia Health is a leading provider of healthcare services in East-Central Minnesota and Western Wisconsin.  Our hospital and clinics are known for our approach to care, and it is no secret what sets us apart: personalized attention, a wellness focus, and a deep sense of community. All these things are part of our mission to help you live life well.

Welia Health
301 Highway 65 S.
Mora, MN 55051
Randy Ulseth, CEO

“While we have seen steady premium decreases and stability in coverage, the main benefits we have from being a part of GMSIF are the peer sharing of best practices and the most comprehensive service we’ve ever had. These are the factors that have helped us strengthen our safety program, driving down our mod rate and truly improving our workplace safety record. This benefits employee morale and the bottom line. I highly recommend GMSIF to any healthcare organization interested in creating a safer workplace and reducing their work comp expense.”

Rick L Breuer, Community Memorial Hospital