Group Self-Insured Workers' Compensation Fund for Minnesota-Based Contractors & Manufacturers, established in 1996

When you’re a contractor and something is broken, you fix it. Back in 1996 that is exactly what a group of Minnesota-based contractors did. Tired of paying into the standard insurance market with little, to no control over how their premiums were used, they decided to pool their premiums to create the Builders & Contractors Workers’ Compensation Fund (B&C.) B&C is a self-insured group workers’ compensation fund for Minnesota-based contractors. Group self-insurance allows businesses within the same industry to come together to insure their workers’ compensation as a group. B&C is comprised of members that are primarily in the construction industry and the program is managed by a Board of Directors elected from participating members of the program. Mackinaw Administrators, LLC, an experienced third-party, handles the services for the fund on behalf of the members. The fund provides affordable workers' compensation insurance with a strong emphasis on safety. When managed properly, the self-insured model results in long-term stability, consistent return of surplus premiums, more efficient claims management, and enhanced focus on safety cultures and services.

Learning Center


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Construction Companies

Click here to learn more about a workers' compensation fund built by contractors for contractors

Manufacturing Companies

We offer Workers' Compensation to companies in the manufacturing industry.


Handling the Injury ONCE It Occurs


Our highly experienced claims team works in close collaboration with our fund members to assure injured workers are paid accurately, timely, and fairly. The aggressive medical management of losses supports our early return-to-work program agenda. And our industry-specific expertise allows us to identify and defend questionable claims when necessary. Our claims approach allows members greater control over their losses and claim costs.


>> First Report of Injury

Risk Management/Loss Control

Preventing The Injury BEFORE It Occurs


At Builders & Contractors, safety is not just an idea, it’s an attitude. Our Risk Management team works directly with members to create and maintain a safety culture that the entire team can get behind. Our industry-specific, risk management advisors, identify and evaluate member risks, then we guide members through preventive measures to minimize exposures and eliminate future losses before they occur. Our focus is to assist clients in maintaining a safe and healthy work environment and to achieve compliance with applicable standards. Our goal is to provide the best customized Risk Management Service in the industry.


Putting Safety First For Our Partners

As a member of B&C Fund, you’ll have access to our tailored programs and services specifically designed for the construction trades. These include:

  • Safety Brochure
  • Safety Talks and Meeting Topics
  • Safety Resources and Solution Providers
  • Live-Streaming Safety Videos
  • Safety Posters and Checklists
  • Industry News and Regulatory Updates
  • Safety Plans and Programs
  • Dedicated Safety Professionals
    Assigned To Your Team



Celebrating 25 years

MN strong for 25 years… and getting STRONGER Every Day! Builders & Contractors Workers’ Compensation Fund (B&C) is excited to celebrate over 25 years of service to Minnesota business owners and their agents. B&C extends its deepest thanks to all the members and agents who’ve helped achieve this milestone. We are excited to see what innovative service and solutions we can offer as we grow over the next 25 years, and we look forward to seeing who will join us in our journey.