Leveraging AI Technology to Benefit Your Business
William J. Hallan
MRA President and CEO
A couple of weeks ago the MRA Government Affairs team traveled to Chicago for the annual conference of the Council of State Retail Associations. It’s the time of year when our counterparts from all over the country get together to talk retail and workshop legislative initiatives that we should advocate for and defend against.
As you might have guessed, the trending topic this year was Artificial Intelligence (AI). AI is no longer a futuristic concept—it’s here, reshaping industries in real time. For retailers, AI represents a powerful tool to remain competitive, improve customer experience, and streamline operations.
At its core, AI helps retailers make better decisions faster. From forecasting demand to optimizing pricing, AI systems can analyze massive amounts of data and identify trends that would be impossible to spot manually. Imagine predicting holiday sales with pinpoint accuracy or adjusting inventory based on shifting consumer behaviors. These insights give retailers the ability to stay ahead of market fluctuations and customer expectations.
Customer engagement is another area where AI is revolutionizing retail. Personalized recommendations, powered by AI, help shoppers discover products they are more likely to purchase. Chatbots and virtual assistants provide instant answers, guiding customers through their buying journey and improving satisfaction. The result? Stronger relationships with shoppers and higher conversion rates. However, these capabilities are attracting the attention of lawmakers, with some looking to curb the use of data, impacting loyalty programs and other rewards.
The bottom line is clear: AI isn’t just a trend; it’s a necessity. Retailers who embrace these tools will be better equipped to compete, adapt, and thrive in a marketplace that is moving quickly. From the CEO
Boards of Directors
Michigan Retailers Association
Bryan Neiman Chair Neiman’s Family Market, St. Clair
William J. Hallan President & CEO Michigan Retailers Association
Dan Marshall Vice Chair
Marshall Music Company, Lansing
Peter R. Sobelton
Treasurer Mondial Properties, Birmingham
Bill Golden Past Chair Golden Shoes, Traverse City
Bo Brines Little Forks Outfitters, Midland
Kim Edsenga Meijer, Inc., Grand Rapids
Michigan Retailers Services, Inc.
William J. Hallan President & CEO
Of course, adopting AI requires thoughtful planning. Retailers should start small—perhaps with customer insights or targeted marketing—and grow from there. As AI technology becomes more accessible and affordable, the opportunity to leverage it grows, and MRA will be there to ensure that these systems remain available for our membership.
Thomas P. Clement Chief Operating Officer and General Counsel
Orin Mazzoni, Jr. O & T Investments LLC
Kendra Patterson Michigan Barn Wood & Salvage, Mason
Joe Swanson Target, Retired
William J. Hallan
MRA President and Chief Executive Officer
Becky Beauchine Kulka
Becky Beauchine Kulka Diamonds and Fine Jewelry, Okemos
Antoinette Kramar Orin Jewelers, Northville
Joseph McCurry Credit Card Group
Thomas Ungrodt TDU Consulting, LLC, Ann Arbor
John Leppink Leppink’s Food Centers, Belding
Larry Meyer Board Member Emeritus
D. Larry Sherman Board Member Emeritus
Michigan Retailer Magazine
William J. Hallan Publisher
Victoria Veda Editor Rachel Schrauben Copy Editor and Content Director
Josh Delany Design/Layout Manager, Photographer
Shandra Martinez Contributor
With every
we reach retail owners, managers, and executives who make spending decisions for 15,000 stores and websites across the
To request a media kit, email Rachel Schrauben at rschrauben@retailers.com
Retailers Insurance Company Policyholder Wins $25,000 Grant Shelby’s Tienda La Palma hopes to expand selection and store
MRA
Retailers
Spooky Season Sales
From the CEO
Leveraging AI Technology to Benefit Your Business
Legally Speaking Skimmer Detection and Defense
Creative Counsel The Importance of e-Commerce
Under the Dome Can You Name Your Elected Officials?
Interview with a Regulator Building a Better UIA
Regulatory Rundown
Milestone Members
New Members
Buy Nearby Guy
Skimmer Detection and Defense
Tom Clement MRA Chief Operating Officer and General Counsel
Card skimming is a widespread criminal act where covert hardware is installed on legitimate ATMs, gas pumps, or point-of-sale systems in order to capture card information for future unauthorized purchases. Put differently, the bad guys use sophisticated equipment to steal your information and your money. Data suggests that this activity accounts for approximately $1 billion in losses annually.
Fortunately, businesses can proactively guard against skimming through the use of skimmer detection devices. The purpose of the device is to scan terminals for signs of unauthorized hardware that may have been installed over or otherwise infiltrated legitimate processing technology. Costs for devices can range from $500 all the way to $5,000 or $6,000 depending on your specific needs.
Retailers are using this technology much more frequently as business owners become aware of the issue and seek out ways to protect themselves and their customers. In 2023, Visa reported that businesses who utilized such devices reduced card fraud by more than 23%, as compared to their counterparts who do not utilize layered security. This number only increases for high volume merchants such as grocery stores, gas stations, and ATMs.
Skimmer detection, however, is just one layer of security for you to consider. Business owners should be diligent in utilizing real time transaction monitoring, encryption, multi-factor authentication, where appropriate, and general common sense in safeguarding your equipment. Your customers will notice and be appreciative.
Michigan Retailers Association is proud to provide merchants with strong credit card processing solutions and the knowledge needed to protect sensitive data. I invite you to reach out directly to me at tclement@retailers.com or sales@retailers.com to learn more about how we can help your business.
Can You Name Your Elected Officials?
Drew Beardslee MRA VP, Government Affairs
Because I’m a nerd for politics, I like to quiz people: can you name your elected officials? It’s a harder question than it sounds. Everyone can name the president, and many can name some other high-profile national figures they recognize from the news. But I find that not many can name their own member of Congress, or their state senator or state representative, or even the mayor of their town. Yet these officeholders exercise vastly more influence over your business or your day-to-day life than those national figures who occupy so much of our attention. Could I suggest trying to change that?
At the state level, you can easily locate your elected officials online: visit house.mi.gov or senate.michigan.gov and enter your address to find your representative and senator. If you operate a business outside the home, try entering the address of each store location. You may have an “in” with more legislators than you think.
Once you’ve identified your elected officials, consider inviting them to your store for a tour or an event. MRA’s annual Capitol Day is an excellent way to build a relationship and raise industry-wide issues, but why not grow that relationship closer to home, too? Many legislators are regular people from the community who are curious about and supportive of what’s happening in their district. Don’t wait until April to make that initial introduction. You may find that your advocacy will have a greater impact.
On a wider scale, becoming familiar with your elected officials is good for civic health. When national news and social media emphasize partisan divides and cultivate a sense of pessimism, it can be refreshing to have a personal relationship—or even just a familiarity—with your elected officials. This is especially true when dealing with someone “across the aisle” from you.
National and statewide elections are only a year away. Before then—before the nonstop attack ads, before the campaign flyers fill your mailbox, before you’re asked to accept a caricature of “the other guy”—consider reaching out. A little goodwill goes a long way. Then you can start asking others: can you name your elected officials?
The Importance of e-Commerce
Vic Veda MRA VP, Communications
For over a decade, online sales have grown to account for a significant percentage of total retail sales. While the growth of e-commerce has slowed slightly in recent years, U.S. e-commerce sales have increased by more than 6.5% annually since 2013. It’s estimated that U.S. e-commerce sales will reach $1.29 trillion in 2025. So, are e-commerce capabilities worth investing in for your business?
What to consider when implementing e-commerce: Prioritize user experience when selecting an e-commerce platform. Shoppers will use a website more if their shopping experience is streamlined. Optimize for mobile devices. Sixty percent of global e-commerce sales are mobile sales.
• Use an integrated solution to help with inventory management, order tracking, and more. Be sure to inform your customers of new e-commerce functions and features. Create signage encouraging online shopping/check-out, send communications to your customers, and train your staff so they’re knowledgeable too.
Some e-commerce is better than no e-commerce
Remember that e-commerce is not one-size-fits-all. You can use e-commerce in a way that works for your brand. If your business isn’t ready to take on shipping orders, you can implement e-commerce with in-store pick-up without implementing shipping options (yet). You can limit what inventory is available for online ordering. You can limit how many online orders your store accepts in a given time.
There are loads of options for customization of your e-commerce offerings, but the most important steps are to find a solution that works for your business model and to make sure your customers know it exists. E-commerce sales are projected to keep growing for the foreseeable future. Now is the time to get started.
Michigan Monday, MRA’s celebration of Michiganbased e-commerce on Cyber Monday, is coming Dec. 1, 2025. Learn more on page 18.
Open Enrollment Coming Soon
Medicare open enrollment will be happening from Oct. 15, 2025 to Dec. 7, 2025 with an effective date of Jan. 1, 2026.
Open enrollment for Blue Cross Blue Shield of Michigan, Blue Care Network, and offmarketplace individual coverage runs from Nov. 1, 2025 through Jan. 15, 2026
Enrollments from Nov. 1 to Dec. 15, 2025, will receive a Jan. 1, 2026 start date.
• Enrollments from Dec. 16, 2025 to Jan. 15, 2026, will receive a Feb. 1, 2026 start date.
If you’d like more information on open enrollment and your options, visit Retailers.com/ services/group-insurance-programs or email MRA’s insurance expert, Ally Nemetz, at anemetz@retailers.com.
The Latest on MRA’s Rebrand
Thank you to our members, partners, associates, and friends for the wave of congratulations and celebration that followed our rebrand announcement. We’ve received countless warm wishes and kind words about our new logo, website, signage, and all the new brand materials. Our team is grateful for your support and outreach! We look forward to sharing more developments in the coming months. The fun hasn’t stopped yet.
New website and email system drive deeper engagement
Through our rebrand process, MRA launched a new website with a complete redesign that provides better information, a mobilefriendly user experience, and more opportunities to connect with our members and community.
We have adopted a new email communication system that will allow us to reach members in more personalized ways. As an association, it’s our goal to share the most relevant, helpful information with our members—when they need it most.
Email is an important form of communication to stay up-to-date on the latest legislative happenings in Michigan, but also to learn more about what MRA is doing for retailers and how your membership can help your business.
If you haven’t received regular email communications from MRA, or have experienced difficulties receiving or reading emails since the announcement of our rebrand, please email communications@retailers.com or call us at 517.372.5656 for further assistance.
Check out our new website at Retailers.com
December
2025 - January 2026
Holidays and Themes to Use in Your Marketing and Strategy:
December 2025
Holiday Season, Gift Giving, Family Meals and Gatherings, Winter Fun, Year-end Wrap-up, New Year Planning
Dec 1: Cyber Monday & Michigan Monday Keep your money in Michigan while you shop online by supporting Michigan-based e-commerce!
Dec. 3 : International Day of Persons with Disabilities
Dec. 6: St. Nicholas Day
Dec. 8: Bodhi Day
Dec. 14 - 22: Hanukkah
Dec. 21: Winter Solstice
Happy First Day of Winter! This is the shortest day and longest night of the year.
Dec. 21 - Jan 1: Yule
Dec. 23: Festivus
Dec. 24: Christmas Eve
Dec. 25: Christmas Day
Did you know: The 12 days of Christmas traditionally start on Dec. 25 and end on Jan. 5.
However, many observe during the 12 days leading up to Christmas.
Dec. 26 - Jan. 1: Kwanzaa
Dec. 31: New Year’s Eve
January 2026
Health and Wellness, Winter Sports, National Mentoring Month, National Hobby Month
Dry January: Nearly 1/3 of Americans planned to abstain from alcohol completely, or at least cut down on consumption, for the month of January 2025 (Newsweek). As the “sober curious” movement continues to grow in strength, participation in “Dry January” is expected to increase in 2026.
Jan. 1: New Year’s Day
Jan. 4: World Braille Day
Jan. 17: National Use Your Gift Card Day
Remind your customers to use their gift cards before they’re forgotten! Last year, 55% of adults who celebrated the holidays received a gift card. (CivicScience)
Jan. 18: World Religion Day
Jan. 19: Martin Luther King Jr. Day
Jan. 26: Michigan’s Statehood Day
Celebrate Michigan’s 189th birthday! On this day in 1837, Michigan became the 26th state to join the United States Union.
Jan. 31: National Hot Chocolate Day
Reminder:
Make sure your holiday hours are up-to-date and accurate on your website, Google listing(s), social media accounts, and anywhere else they may be listed online. Use clear signage in-store to keep your customers informed in advance of upcoming changes to hours and closures.
Shelby grocer wins $25K grant, expands dream at Tienda La Palma
By Shandra Martinez
When Elizabeth Suarez opened Tienda La Palma in June, she knew she was taking a risk. The specialty grocery store at 203 N. Michigan Ave. in downtown Shelby had been years in the making, and Suarez had invested heavily in renovating the century-old building.
Now, with the help of a $25,000 grant from the Michigan Economic Development Corporation’s Match on Main program, Suarez says her dream of owning a store that serves both Shelby’s Hispanic community and the broader public feels more secure.
“This grant helps us tremendously,” Suarez said. “In the winter months, Shelby loses a lot of its seasonal workers and tourists. The money will keep us afloat and let us continue serving our community year-round.”
Suarez’s path to business ownership started in Allegan County, where her parents operated a restaurant in Fennville. After that venture closed, the family moved north to Oceana County. Suarez worked alongside them in the grocery and restaurant trade before striking out on her own.
MRA membership vital
A key step in making Tienda La Palma possible was joining the Michigan Retailers Association in 2024. Suarez needed workers’ compensation coverage to qualify for a Small Business Administration loan that financed her building rehabilitation. Through MRA, she secured affordable coverage quickly, which allowed her to move forward.
“Michigan Retailers Association offered us great rates and the workers’ compensation we needed,” Suarez said. “Without that, we couldn’t have gotten the SBA loan, and without it, there would be no Tienda La Palma.”
That membership also bolstered her Match on Main application, providing a track record of responsibility and community engagement that state reviewers look for.
Today, Tienda La Palma spans about 4,200 square feet and offers groceries, specialty products, and money transfer services to Mexico and Guatemala. Suarez says the store is as much about relationships as it is about retail.
“We do whatever we can to help,” she said. “If someone comes in and wants to learn how to cook tacos, we’ll show them the ingredients and walk them through the recipe. We want everyone to feel welcome.”
Looking ahead, Suarez hopes to add a small restaurant inside the store next year and is exploring a second location in Ottawa County. Online ordering and delivery are also in her plans.
“Without MRA, SBA, and the Match on Main program, I wouldn’t be here today,” Suarez said. “It truly took a team to help bring this business to life.”
Tienda La Palma, Shelby Member since: 2024 MRA service: Workers’ Compensation
Building a Better UIA Regulatory Rundown
Jason Palmer Director, Michigan Unemployment Insurance Agency
As the new director of Michigan’s unemployment insurance program, my goal is to amplify the transformative changes underway at the Michigan Unemployment Insurance Agency (UIA), focusing on improving experiences for workers and employers.
What does “better” look like at UIA? Among my priorities as director are:
• Modernization, specifically launching MiUI, a user-focused, integrated tax and benefits unemployment insurance solution.
When I took the job with UIA in February, it brought me back to Michigan after working in Chicago as a regional commissioner with the U.S. Bureau of Labor Statistics. My team collected and analyzed regional information about labor market activity, price changes, and working conditions.
Before joining BLS, I was director of what is now known as the Michigan Center for Data and Analytics. Prior to that, I earned degrees from Michigan State University and Wayne State University. I am a licensed attorney and member of the State Bar of Michigan.
Outside of work I am an accomplished woodworker. I bring a passion for building things to my job: Building better systems, better services, and better experiences for those we serve.
• Best-in-class customer service, including plain-language, humancentered communications and correspondence.
• Implementing enduring solutions to position us for success.
• Strengthening partnerships with workforce development for lasting careers.
I am particularly excited about the progress we’re making with MiUI, which will replace the more than a decade-old MiWAM computer system in December for tax functions and next summer for benefits. Bookmark our MiUI University webpage at Michigan.gov/MiUIUniversity for updates about the many changes coming soon.
We’re also leveraging AI technology with our new online chatbot, which provides up-to-date answers to general questions about unemployment insurance. It works seamlessly with our Employer Help Center, among the most popular resources on our website. And our Economic Dashboard delivers deep insight into local and statewide unemployment trends.
I’m excited about UIA’s future. We’re making substantive changes to create a more responsive and helpful agency for everyone. I am excited to partner with MRA to build a better agency that can be a national model for fast, fair, and fraud-free service.
House Passes Chip-Enabled SNAP Card Legislation
On September 3, the House passed HB 4746, a bill requiring the Department of Health and Human Services to issue chip-enabled Michigan Bridge Cards to recipients within one year of the bill’s effective date. The cards, which currently use magnetic stripe technology, are more vulnerable to theft and fraud than the more modern chip-enabled cards now common on most bank credit and debit cards. The bill passed 77-28 and now heads to the Senate. MRA is supportive of the concept, as long as retailers have enough time to manage any transition in technology to accept the new cards.
Gift Card Fraud Prevention Bills Pass House, New Partnership Announced
The full House of Representatives passed both House Bills 4598 and 4599 by votes of 103-1. Despite the ongoing partisan disputes in Lansing, Republicans and Democrats came together to show overwhelming support for this key policy issue. The bills now head to the Senate; based on their bipartisan embrace in the House, we are optimistic for the bills’ chances there.
Also this month, MRA, Attorney General Dana Nessel, and the Gift Card Fraud Prevention Alliance (GCFPA) announced a public-private partnership that sees AG Nessel named “the inaugural attorney general strategic partner of the GCFPA.” The partnership will continue to elevate the issue of gift card fraud and call attention to the good work undertaken by Michigan’s FORCE team, whose funding in the upcoming state budget is still under consideration.
Tax Extension Relief Available to Taxpayers in Western
U.P.
Impacted by Severe Weather Emergency
Gov. Gretchen Whitmer recently declared a state of emergency for Houghton and Ontonagon counties following the July 23 flooding that caused significant damage to roads and infrastructure. In response, State Treasurer Rachael Eubanks announced that businesses and individuals in these counties can request extensions for filing and paying state taxes. Qualified applicants will have penalties and interest waived, providing added flexibility during recovery.
Businesses must actively request relief—it is not automatic. Applications can be made through the Treasury’s eService portals, by mail to the Michigan Department of Treasury, or by phone. Requests should include account information, a description of how operations were affected, and a local address. Visit Michigan.gov/taxes for full details.
Regulatory
Dates & Deadlines
November – December:
Oct. 1–Dec. 16 – Michigan WIC Central Region
Vendor Contract Renewal (rolling 3-year renewal period by region)
Nov. 1 – Jan. 15 – Open enrollment for individual health care coverage
Nov. 30 – CBD/hemp processor-handler license renewal deadline. These licenses are required for retailers who wish to sell CBD products. The annual license applies to consumable and non-consumable hemp and hemp products.
Monthly:
Sales & Use Tax – Monthly & EFT – On or before the 20th day of the following month.
Withholding Tax – Monthly & EFT – On or before the 20th day of the following month.
Retailer’s Prepaid Wireless 911 Surcharge – within 30 days of the close of each month. Receipt of a complete Form 5012 is required regardless of payment method.
Quarterly:
Corporate Income Tax (CIT) Estimated Returns and Payments (Jan. 15, April 15, July 15, Oct. 15)
Sales & Use Tax – Quarterly & EFT – On or before the 20th day of the month following the quarter (Jan. 20, April 20, July 20, Oct. 20)
Withholding Tax – Quarterly – On or before the 20th day of the month following the quarter (Jan. 20, April 20, July 20, Oct. 20)
Unemployment Employer’s Quarterly Wage/Tax Reports (Jan. 25, April 25, July 25, Oct. 25)
CARTER CANDLES
Blending Tradition, e-Commerce Growth, and Community Spirit
By Shandra Martinez
Carter Candles, Alden
Member since: 2002
MRA service: Merchant Processing
• Shipping
• Workers’ Compensation
On the shore of Torch Lake, Carter Candles is keeping an old family tradition burning while embracing the digital age.
The shop began in 1973, when Mildred Carter opened a small storefront in Alden and began making intricate wax “hurricane” candles. Her daughter-in-law, Penny Carter, later took over with her husband, Fletcher. Now the third generation is carrying the flame. Magistrate Judge Sarah Carter and her husband, David, became owners in January 2025.
“It’s funny — I feel like I fell asleep and woke up in a Hallmark movie,” Sarah Carter said. “The story behind how David and I met, and then working with his parents at the gift shop, and their wanting an exit strategy to retire, everything just fell into place. It’s been this sweet love story.”
The couple met seven years ago at an animal hospital where Sarah was working part-time. David brought in his dog, Riley, and the two struck up long conversations that turned into a relationship. They married three years ago.
Penny Carter still pours her candles by hand, many decorated with poinsettias, local flowers or leaves, and they emit a beautiful glow when lit. But other aspects of the operations are being modernized, Sarah Carter said, and e-commerce will become an essential part of the business.
“When we took over, we still had the old credit card machines with carbon paper and dial-up,” she said. “MRA kept saying, ‘This equipment is going to be obsolete.’ I told David, ‘Oh my gosh, we have to get Wi-Fi.’”
Developing a plan
Upgrading to modern point-of-sale systems and creating an online presence will allow customers to order gifts year-round.
“We are hoping people discover us online and then want to visit in person, or that they come here in the summer and reorder from home in the winter,” she said. “It will be a true blend of the old and the new.”
Alden is a summer destination, so Carter Candles operates mainly from May through December.
“I try to be the last one up here,” Carter said. “Everybody else goes away for the winter, but I stay open through New Year’s Eve. Last year, we had so much snow I couldn’t even get to the door.”
Staffing follows the same pattern. In addition to having a longtime employee, Carter hires college students who return during the holidays.
“We don’t have a lot of employees, so everyone pitches in,” she said. “We still need the help and guidance of Penny and Fletcher. None of this would be possible if Mildred and Penny hadn’t forged the way over the past 52 years.”
Carter’s roots in Alden run deep. Her parents live directly across the lake from the home David’s grandmother bought in the 1950s. She measures her life by “summers on Torch Lake,” and she said supporting the community is a priority.
“We joined the downtown Alden business association,” Carter said. “This is such a strong, supportive community. We all share ideas on what works and how to draw people in.”
The shop features goods from Michigan makers and hosts small events to bring residents and visitors together.
MRA was key to upgrades Carter credits the MRA with helping the business modernize.
“My MRA representative is Emily Walters, and she is fantastic—funny, smart, responsive, and she just gets me,” Carter said. “Emily helped me through the process of upgrading our systems. We went from a minute and a half for each transaction to instant.”
She calls MRA “the best-kept secret in all of Michigan.”
“Any retailer who is not affiliated with this organization does not understand what they’re missing,” she said. “Just reading the publication and seeing how many other people are out there and the resources that are available is huge.”
Carter balances her magistrate duties for three counties with running the store, but plans to make the shop her full-time career.
“I really look forward to that,” she said. “That’s what I want.”
(L-R) Penny, David, Sarah and Fletcher
A Business Owner’s Guide to Workers’ Compensation Claims and Safety Practices
By Kurt M. Dettmer • SVP Business Development • Retailers Insurance Company • kdettmer@retailers.com
Running a business means taking care of your people as much as your bottom line. One key area where both intersect is workers’ compensation. How you handle claims and safety in the workplace can directly impact your costs, compliance, and employee wellbeing.
This guide highlights best practices every business owner should know to properly handle workers’ compensation claims, reduce risk, and create a safer workplace.
Why Timely Reporting Matters
Late reporting of workplace injuries can increase claim costs by up to 50%. The takeaway? Report incidents immediately, even if you question the validity of the claim or are still waiting for medical information. The insurance company will investigate the details on your behalf.
Steps to Handle Workers’ Compensation Claims
1. Report immediately – Submit the claim via online portal or fax as soon as possible.
2. Provide complete information – Fill out the loss report fully and include a memo if you have concerns about the claim’s validity. This can be done online at RetailersInsurance.com
3. Post claim procedures – Make sure your employees know how to report workplace injuries and enforce adherence to the process.
4. Use your rights – Employers can select the initial healthcare provider for the first 28 days after an injury, but the first day is the day the incident is reported to the employer not the day the incident is reported to the insurance carrier.
5. Explore return-to-work options – Ask providers if an employee can return with light-duty accommodations and schedule treatment outside normal work hours where possible.
6. Stay connected – Maintain open communication with your insurer and the injured employee. Studies show this helps manage claims effectively, reduce adversarial relationships, and lower litigation risks.
Additional Strategies for Business Owners
Good Hiring Practices
Require complete, legally compliant job applications.
• Conduct detailed interviews and reference checks. Use post-offer physicals and drug screenings.
Recordkeeping
Keep attendance, payroll, and disciplinary records accurate and detailed.
Maintain signed documentation for employee infractions. Have clear job descriptions and an employee handbook. Provide requested records promptly to avoid legal complications.
Workplace Safety
• Train employees properly on job duties and equipment. Provide necessary safety gear and enforce its use.
Post safety procedures and prohibit altering safety devices.
• Conduct orientation programs and supervise adequately.
Support Services for Policyholders
Many insurers, such as Retailers Insurance, offer additional resources:
• Loss Control Services – Risk assessments, safety evaluations, and claim reporting and Return To Work forms
Injury Triage – 24/7 access to healthcare professionals for non-emergency injuries at 866.764.7705
Claims Support – Round-the-clock claims assistance with consistently high satisfaction ratings
Workers’ compensation claims are not just about compliance—they’re about protecting your employees and your business. By reporting promptly, keeping strong records, enforcing safety standards, and partnering with your insurer, you can reduce claim costs, improve workplace safety, and foster a culture of care and accountability.
October is National Cybersecurity Awareness Month
Thebad actors are getting better at stealing information and duping unaware individuals. National Cybersecurity Awareness Month brings attention to the importance of cybersecurity, encouraging employers and employees to take proactive steps to protect themselves online, while also promoting a culture of cybersecurity in both personal and professional settings.
Stay Vigilant
The best way to prevent a breach is to thoroughly train new employees during onboarding. Discuss common breach attempts and what to do when questioning a suspicious email or fraudulent purchase. Hold annual trainings or workshops to continue educating employees about remaining alert. These ongoing tests and open communication can help stop an expensive and timeconsuming breach.
Limit Access to Data
Ensure the only people who have access to secure or private information are those who need to in order to perform their job duties. Do not let your employees download any new software without your approval.
This includes leaving your accounts logged in while helping customers or stepping away from your desk or terminals. Make sure the software is locked down so no
customers can tamper with the equipment. Lastly, give every employee their own logins to avoid password sharing.
Other tips to stay safe online:
Use strong passwords and change them regularly
Enable Multi-Factor Authentication
Check for software updates regularly
• Recognize unsolicited messages as phishing attempts and report them
Looking for more coverage?
Retailers Insurance Company policyholders have automatic access to an Enterprise Cyber Liability Program, including $100,000 of protection and free terrorism coverage. The program protects your business for costs associated with a data breach, ransomware attack, and funds transfer fraud due to fraudulent payment instructions.
Learn more or find an agent near you at RetailersInsurance.com.
2025
From October 3-5, Michigan Retailers Association celebrated the state’s retailers and small businesses to kick off the holiday shopping season. This year marked the 12th Buy Nearby Weekend celebration, reaching more communities than ever before.
Two New Contests Shop 3 Challenge Punch Card Contest
Consumers took the Shop 3 Challenge and visited local businesses on Buy Nearby Weekend for a chance to win a $500 gift card. Michigan-based retail businesses signed and stamped punch cards for shoppers in every corner of the state. This contest encouraged consumers to think small first, and explore more local retailers as they begin their holiday shopping for the season.
Buy Nearby Weekend Display Contest
Retailers’ creativity speaks for itself. Member and non-member businesses put together impressive Buy Nearby Weekend-themed displays, endcaps, window displays, and website landing pages to spread the word about the importance of keeping your money in Michigan and supporting Michigan-based retail. These businesses had a chance to win a $500 gift card or 1-year MRA membership. Winners will be announced mid-October.
Buy Nearby Weekend Party Packs Delivered
Road Trip Miles Traveled
MRA Members Participated
Unique Towns and Cities Across Michigan Reached
Buy Nearby Guy’s Road Trip
The MRA team took to the road with the Buy Nearby Guy for the annual Buy Nearby Weekend Road Trip. This year, we left Lansing and headed West to Grand Rapids for a visit at Miera’s Family Shoes, a Pit-Stop sponsor.
We traveled North to the city of Elk Rapids, our Ultimate Destination Sponsor. Buy Nearby Guy visited several retailers downtown and ended his time in Elk Rapids with a stop at Short’s Brewing Company.
Before heading back home, we made a quick surprise visit to see MRA members in Cadillac, including Simply Delightful.
The Buy Nearby Guy brings great awareness to the Buy Nearby program and provides memorable engagement with shoppers. As Michigan’s favorite big blue mascot, he is a champion for local shopping across our state.
Buy Nearby Weekend 2026 is October 2-4 Mark your calendars for the 13th annual Buy Nearby Weekend, happening the first full weekend in October 2026. Keep your eyes peeled next spring for more information about the 2026 event.
ONLINE SHOPPING INSIGHTS
• About 20% of Michigan’s total retail sales came from remote sales last year
• That’s 4% higher than the national average!
• 44% of shoppers start their shopping journey through an online search engine.
• 83% of people do research online before visiting in-store.
• More than one-third of shoppers make online purchases at least once a week.
• 82% of shoppers place an online order at least once a month.
The ways shoppers can support Michigan’s retailers is evolving. With the continuing increase in e-commerce spending, it’s time to shine a light on Michigan’s retailers that offer online shopping. Join Michigan Retailers Association in recognizing Michigan’s ecommerce stores on Cyber Monday, December 1, in an effort to keep more money in Michigan this holiday season.
In 2024, MRA announced its inaugural Michigan Monday list, featuring more than 30 member businesses that offer online shopping. The celebration is back this year, with a goal to raise even more awareness about the impact of shopping locally, even when you’re shopping online.
This year’s Michigan Monday celebration will feature an updated list of Michigan-based e-commerce websites with links for shoppers to explore. MRA member businesses can get on the list by submitting their information at Retailers.com/michigan-monday-2025registration or emailing MRA’s Marketing Team at communications@retailers.com.
GET ON THE LIST!
TOP REASONS PEOPLE SHOP ONLINE
DID YOU KNOW:
• Every $100 spent at a Michigan retailer produces over $5 supporting public services.
• Shifting one $25 monthly product subscription to a local store adds $228 in annual output to Michigan’s economy.
• Shifting just 10% of your out-of-state online shopping to local retailers could generate enough income to feed every Michigan family for a week.
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New Members
Mnemonix, Ada
Efficiency Auto LLC, Allegan
Shelter Inc., Alpena
Horrocks and Company Inc., Battle Creek
Ziebart Bay City, Bay City
Bizzam LLC, Beverly Hills
Michigan MM Inc., Big Rapids
J & J Secure Transport Inc., Bridgman
Reaching Higher Inc., Brighton
Tinko Munder LLC, Burton
Birds of a Feather LLC, Camden
Dealers Discount Crafts & Florals, Center Line
Naked Burger LLC, Clinton Township
The Dock on Cooley LLC , Commerce Township
Hirmitdev Inc dba Telegraph Motel, Detroit
Turner Segue Home Inc., Detroit
Busted Bra Shop, Detroit
Downtown Louie’s Inc., Detroit
Jude Liquor Inc., Detroit
House of Prayer and Praise, Detroit
Nakarada Detroit LLC, Detroit
Salma Corporation dba Bell’s Greek Pizza, East Lansing
Elkton Community Club, Elkton
Tyrone Party Store Inc., Fenton
Frankenmuth Arts Council, Frankenmuth
La Vacca LLC, Grand Rapids
Despecho Sports Bar, Grand Rapids
Lucas Concrete LLC, Grand Rapids
New York Fried Chicken LLC, Grand Rapids
Zane’s Sheet Metal LLC, Grandville
Sno-Trac Village LLC, Grayling
BLT Building Maintenance, Holland
Neighbors Plus, Holland
The Cranberry Dog, Holland
Verd Brew LLC, Holland
Cash 4 Cars Inc., Howell
Wolf Ridge Hunt Lodge, Howell
TruNorth Federal Credit Union, Ishpeming
ArtistDione LLC, Jackson
True Extractions LLC, Jackson
Pro Maintenance 4 Seasons Inc., Kingsley
Vestrand Investments LLC, Lake
Sohn Linen Service, Lansing
Apex Ulta Worldwise LLC, Lansing
Dokas Painting Inc., Macomb
Checker Transport LLC, Marquette
Marquette Movers LLC, Marquette
Iron Bay Restaurant LLC, Marquette
Lawns Plus LLC, Melvindale
Roots to Wings Early Learning Center Inc., Midland
Beautiful Beginning Child Development Center, Midland
Banas Building Center Inc., Monroe
Pegasus Springs Therapeutic Riding Center, National City
Rudy Goupille & Sons Inc., Negaunee
Children’s Dental Home, Oak Park
A & M Moving Services LLC, Plymouth
OM Shiva13 Inc., Plymouth
Vermeulen Sajewski Funeral Home LLC, Plymouth
Touchstone Services Inc., Port Huron
Eds Breads, Portage
Naser Propane Company Inc., Powers
Jawor Bros Blueberries LLC, Ravenna
Cool Blends Painting & Coatings Co., Richland
Double L Restaurant Inc., Rochester
Warner Bros. Foundry Co., Roseville
Save and Transform Creations LLC, Saginaw
Roseville Village Inn , Saint Clair Shores
MPM Painting LLC, Shelby Twp.
Linked LLC, Sterling Heights
Meyers Moving and Storage Inc., Sturgis
FSFS TCD LLC, Sylvan Lake
Emanuel Evangelical Lutheran Church, Tawas City
George Gegaj, Washington
SVBA LLC dba One Night Stans, Waterford
Zettel Cellars LLC, West Branch
Ajooni Inc., West Branch
Landscape Consultants LLC, Westland
Vibrance Marketing LLC, White Lake
Twyckingham Credit Corporation of MI, Williamsburg
Lindquist Machine Co. LLC, Wisconsin
Fonguh Delivery Services LLC, Ypsilanti
Pro Motor Service, Zeeland
Member News
Modern Bird Named One of America’s Best Restaurants
MRA member Modern Bird, located in Traverse City has been named one of America’s best restaurants by The New York Times. A total of 50 restaurants across the country build the list.
Modern Bird, owned by Andy Elliott and wife Emily Stewart, opened on Front Street in Traverse City in 2022. The menu is crafted with local produce and fresh fish and changes along with the seasons.
Modern Bird, also a Retailers Insurance Company policyholder, is the only Michigan restaurant to be included on the list.
Robinette’s Apple Haus Finds Themselves in Forbes
Robinette’s, a Grand Rapids icon for apple picking and fall festivities, landed a mention in a recent Forbes article about U.S. apple festivals and businesses with notorious apple activities. The farm was one of two Michigan businesses mentioned. The other being The Orchard at Red Barn, located in Lowell.
Robinette’s has been an MRA member since 2005.
Milestone Members
Thank you for your continued loyalty to Michigan Retailers Association!
If you’ve been a member for five days or five decades, our commitment remains the same: supporting your success.
Aldrich Enterprises Inc., Caro
Alpena Wilbert Vault Co., Alpena
Four Corners Framing, Holland
Hillsdale CASA Inc., Hillsdale
Industrial Metal Sales LLC, Mount Clemens
JJ Cousineau LLC, Decatur
Kart 2 Kart, Sterling Heights
Marrella & Co., Royal Oak
Monroe Public Access Cable Television Inc., Monroe
Oceana Eyecare, Hart
Once Upon a Child, Sparta
Scott’s Enterprises Inc., Roscommon Twin Lakes Marina Inc., Lewiston
The Importance of the
What is the Michigan Retail Index?
A monthly anonymous, fast and easy-to-submit survey that serves as a key economic indicator for our state, providing high-value insights into Michigan’s retail environment.
Established in 1994, the Michigan Retail Index is a monthly survey conducted by MRA in partnership with the Federal Reserve Bank of Chicago. It tracks sales, inventory, pricing, promotional activities, and hiring trends among Michigan retailers.
Who Can Submit Responses?
Any Michigan-based business that sells goods or services.
Why Should You Care?
The Retail Index provides insights on the current retail climate in Michigan, shares key economic indicators with legislators and the media, and informs the MRA team on how to best support members.
When Do You Need to Respond?
Each month! The survey is sent to members’ email inbox each month and published on social media.
You can also find historical data by visiting Retailers.com/ michigan-retail-index.
Holiday Season Sales Trends
Submitting sales data during the holiday shopping season is especially important. Q4 is make or break for many retailers and we need your data to determine how early shoppers begin hunting for holiday gifts, how your seasonal hiring picks up, and how promotions and pricing affect your store traffic.
Please take a couple minutes, each and every month, to respond to the Michigan Retail Index survey. We greatly appreciate your insight and engagement.
Submit your sales data at Retailers.com/michigan-retail-index.
View historic data and submit your responses!
603 South Washington Avenue Lansing, MI 48933
517.372.5656
800.366.3699
517.372.1303
Retailers.com
