Time to Save on Employee Benefits Costs

Without Sacrificing Coverage

Join the exclusive NARFA network and access better employee benefits rates built for automotive, roads, fuel and businesses with fleets of 5 or more vehicles.

Automotive Dealers & Repair Shops • Bus Lines • Construction • Transportation • Landscaping • HVAC • Plumbing • Trucking • Oil & Gas • Freight • Manufacturing •Automotive Dealers & Repair Shops • Bus Lines • Construction • Transportation • Landscaping • HVAC • Plumbing • Trucking • Oil & Gas • Freight • Manufacturing •

Why Businesses Choose NARFA

Stop Overpaying for Employee Benefits.
Start Saving Like Big Companies.

EXCLUSIVE GROUP BUYING POWER
rates usually reserved for Fortune 500 companies

INDUSTRY-SPECIFIC EXPERTISE
for blue collar workforces

PROVEN COST SAVINGS
Members saved $30 million from just ONE of our programs!

YEAR-ROUND HR & COMPLIANCE SUPPORT
we act as an extension of your team

Real Savings. Real Businesses.

  • Car Dealership (104 Employees)
    $210,000 Annual Savings
  • Auto Repair Shop (8 Employees)
    $14,000 Savings
  • Fuel Company (18 Employees)
    Full Funded Employee HSAs + Premium Savings

Member Testimonial

“Switching to NARFA was one of the best moves our company ever made. We cut costs, improved benefits, and now have 100% employee participation.”

— Carolyn Clark Manchester, President, Carolyn’s Transport LLC

Comprehensive Health Insurance Solutions

Built for Hardworking Teams — Not Generic Office Plans

Our Core Health Plans

Fully Insured Group Plans

  • Enterprise-level pricing (without 500+ employees)
  • Work injury–focused provider networks
  • Preventive care & prescription support for physical jobs

Level Funding Programs

  • Slash premiums by managing your own claims
  • Keep unused funds to lower future costs
  • Transparent, cost-effective healthcare

High-Deductible Plans + HSAs

  • Lower monthly premiums
  • Tax-advantaged savings for you and your team
  • Perfect for younger, healthier workforces

Boost Protections with Extras

Dental Benefits

  • Built for high-risk, hands-on jobs
  • Fast, hassle-free claims
  • Designed for automotive, construction, industrial crews

Life & Disability Protection

  • Affordable group life coverage
  • Short- & long-term disability income support
  • Essential for physical workforces

Employee Assistance Programs (EAPs)

  • 24/7 confidential counseling & crisis support
  • Legal and financial consultations
  • Mental health support to improve retention & productivity

Workers’ Compensation
Excellence in Massachusetts

Since 1995, AICC members have saved nearly $30 million through premium discounts and dividend returns — averaging 40% savings.

Why Members Choose AICC

  • Competitive pricing with proactive safety management
  • Industry-specific claims advocacy & loss control services
  • Consistent dividend returns paid back to members
  • Superior claims service and hands-on safety support

Ready to See How Much You Can Save?

Get a Free Benefits Analysis and unlock exclusive rates and better coverage for your workforce.