Massachusetts Catholic Self Insurance Group

What Massachusetts Catholic Self Insurance Group does

Massachusetts Catholic Self-Insurance Group, Inc. (MCSIG) is a non-profit, member-owned self-insurance group founded in 1990 (incorporated 1994, renamed MCSIG in 2005) that provides statutory workers' compensation coverage and $1 million Employer Liability protection to Catholic organizations throughout Massachusetts. The group serves more than 500 member entities covering approximately 15,000 employees, including parishes, schools, hospitals, nursing homes, social service agencies, and religious orders across the Archdiocese of Boston, Diocese of Springfield, and Diocese of Fall River. MCSIG is regulated by the Commonwealth of Massachusetts Division of Insurance and is structured as a self-insurance pool under Massachusetts workers' compensation statutes.

The organization generates revenue through payroll-based premiums calculated by classification-specific rates, with annual payroll audits reconciling estimated to actual payroll. Members receive bundled services including loss control training, a safety knowledgebase, and eligibility for dividend distributions based on favorable loss experience; the group has returned more than $30 million in dividends over 12 consecutive years. MCSIG does not perform claims administration in-house; it contracts with a Third-Party Administrator, currently Constitution State Services (CSS, Travelers-backed) since March 31, 2025, replacing A.I.M. Mutual. Administration and oversight are provided through the RCAB Office of Risk Management under Executive Director Joseph F. McEnness.

The go-to-market is direct membership: prospective members contact MCSIG directly or submit a New Participant Request Form to receive a quote, with participation available year-round. Marketing relies on a content-rich website, newsletter communications, annual meetings, and direct outreach. Governance is provided by a board comprising clergy and finance officers from the three participating dioceses plus institutional representatives, embedding the group structurally within Massachusetts Catholic institutional operations.

Name

Massachusetts Catholic Self Insurance Group

Legal name

Massachusetts Catholic Self-Insurance Group, Inc.

Website

https://masscatholic.org

Company type

Private

Founded year

1990

Operating status

Operating

Short description

Massachusetts Catholic Self-Insurance Group is a non-profit, member-owned self-insurance pool providing workers' compensation and employer liability coverage to more than 500 Catholic organizations across Massachusetts, covering approximately 15,000 employees.

Ownership category

akta.pro rank

Product category

Workers' Compensation Insurance

NAICS

Other Insurance Funds (52519), Insurance and Employee Benefit Funds (5251)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Workers’ Compensation Insurance for Staffing/PEO & Contingent Workforce (FSAJAEAE)

akta.pro secondary industry

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

Keywords

• Workers compensation insurance
• Self-insurance group
• Employer liability coverage
• Loss control training
• Catholic organization coverage

Headquarters

HQ city

Braintree

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Technology or R&D, Infrastructure

Revenue model

1. Workers' Compensation Premiums: Premium-based revenue model where member organizations pay premiums based on their payroll amounts. Premiums are established for each payroll classification and adjusted annually through payroll audits to reconcile estimated payroll to actual payroll.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Massachusetts Catholic Self-Insurance Group (MCSIG) is a not-for-profit self-insurance group that provides statutory workers' compensation coverage plus $1 million Employer Liability coverage to Catholic organizations in Massachusetts. Membership is open to parishes of the Archdiocese of Boston, Diocese of Springfield, and Diocese of Fall River, as well as independent Catholic schools, hospitals, nursing homes, social service agencies, and religious orders. Premiums are calculated based on member payroll multiplied by classification-specific rates, with annual payroll audits to true-up estimates. Members receive bundled services including professional claims management, loss control training, and eligibility for dividend distributions based on favorable loss experience.

Product overview

Massachusetts Catholic Self-Insurance Group (MCSIG) is a self-insurance group providing workers' compensation coverage specifically for Catholic organizations in Massachusetts. The core offering is statutory workers' compensation coverage with $1 million Employer Liability protection. MCSIG operates through a Third Party Administrator (TPA) model, currently partnered with Constitution State Services (CSS) effective March 31, 2025, for claims management and processing. Members receive bundled services including loss control training programs (ergonomics, patient handling, blood-borne pathogens, harassment prevention, active shooter response, parish safety), a knowledgebase of safety resources, and eligibility for dividend distributions based on loss experience. Premiums are calculated based on payroll classification with payment via electronic fund transfer. The organization covers approximately 15,000 employees across more than 500 member organizations including parishes, schools, hospitals, nursing homes, and social service agencies.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over $30 million returned to members in dividends over 12 consecutive years
• +1 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Constitution State Services (CSS)coreTechnology or IntegrationThird-Party Administrator (TPA) providing workers' compensation claim management services. Effective March 31, 2025, CSS became MCSIG's new TPA, replacing A.I.M. Mutual. CSS is backed by Travelers and provides data-driven claim management strategies.
• Ashurst Beacon LLCcoreImplementation/ SI/ Consulting PartnerCorporate Actuary providing actuarial services. John Dawson, FCAS, MAAA serves as Corporate Actuary.
• Willis Towers WatsoncoreImplementation/ SI/ Consulting PartnerConsulting Actuary providing actuarial consulting services. Ann Conway and Zachary Renschler serve as consulting actuaries. James A. Swanke, Jr., CPCU, ALCM, ARM (currently Managing Principal) co-founded the original group.
• Grant Thornton LLPcoreImplementation/ SI/ Consulting PartnerAuditors providing annual financial statement audits. 2025 Audited Financial Statements available.
• RCAB Office of Risk ManagementcoreStrategic or Co-development PartnerOversees administration, claims management and loss control programs for MCSIG. Joseph F. McEnness serves as Administrator and Executive Director of ORM.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Safety National Casualty Corporation: Safety National is a large specialty insurer and leading provider of excess workers' compensation and large-deductible/self-insured programs to employers, groups, and public entities. Relevant as a benchmark for the self-insurance and large deductible mechanics underlying MCSIG's pooled structure.
• AmTrust Financial Services: AmTrust is a major specialty property and casualty insurer with a significant workers' compensation book, including small-to-mid employer and specialty-vertical segments. While much larger and broader than MCSIG, it competes for the same small/medium employer WC premium pool.
• The Travelers Companies: Travelers is one of the largest U.S. P&C insurers and backs MCSIG's new TPA, Constitution State Services (CSS). While not a direct competitor to MCSIG's niche, Travelers provides institutional infrastructure (claims handling, data analytics) that MCSIG now leverages through the CSS partnership.

Direct peers

• Zenith Insurance Company: Zenith is a workers' compensation specialty carrier focused exclusively on WC coverage for employers, with deep experience serving public entities, schools, healthcare, and religious/community organizations. Directly comparable in product specialty and customer-type overlap with MCSIG.
• Church Mutual Insurance Company: Church Mutual is one of the largest specialty insurers serving religious organizations, including Catholic churches, schools, and related institutions. While a stock mutual carrier rather than a self-insurance group, it competes for the same religious-organization workers' comp and liability premiums.
• Brotherhood Mutual Insurance Company: Brotherhood Mutual specializes in property, liability, and workers' compensation insurance for churches, faith-based schools, and related ministries. Comparable to MCSIG in target customer base (religious employers) and product mix, though distributed nationally through agents rather than via a pooled self-insurance model.
• Catholic Mutual Group: Catholic Mutual Group is a self-insurance pool providing property, liability, and workers' compensation coverage to Catholic dioceses, parishes, schools, and institutions nationally. It is the closest direct peer to MCSIG, sharing the same faith-based self-insurance group structure, dividend-like return mechanisms, and member-owned governance model.
• GuideOne Insurance: GuideOne is a specialty insurer focused on faith-based organizations, including Catholic and other religious institutions, K-12 schools, and senior living communities. It overlaps with MCSIG in workers' compensation and liability coverage for Catholic schools, hospitals, and nursing homes.
• A.I.M. Mutual Insurance Company: A.I.M. Mutual is a Massachusetts-based workers' compensation carrier that previously served as MCSIG's third-party administrator and claims handler. As a regional workers' comp specialist in the same geography, it represents both a former operational partner and a direct competitive benchmark.

Others

• National Council on Compensation Insurance (NCCI): NCCI is the ratemaking, data, and analytics organization for the U.S. workers' compensation system. Relevant ecosystem participant for MCSIG as a Massachusetts WC self-insurance group whose pricing and loss-cost benchmarks are governed by NCCI's filings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Massachusetts Catholic Self Insurance Group