Chesapeake Employers' Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Chesapeake Employers is a Maryland-focused workers’ compensation specialist and states it will consider all types of businesses across Maryland. Core appetite is for businesses domiciled in Maryland, and it also notes support for Maryland risks that may need multi-state coverage on an incidental or limited basis. Current public guidance emphasizes broad availability for Maryland employers rather than a narrow class list. Publicly highlighted preferred/target segments include Maryland association or affinity business such as Associated Builders and Contractors members, auto dealers, Maryland nonprofits, Maryland home improvement contractors with an MHIC license, tree care companies, restaurant owners, firefighters, towing-related programs, and ADR union construction opportunities. Geographic notes: coverage is aimed at businesses with employees or operations in Maryland; Maryland domicile is specifically referenced on the appetite page. Multi-state coverage is mentioned, but the employer handbook clarifies other-states protection is limited and does not satisfy another state’s workers’ compensation law requirements by itself. No formal public declined-class list was found on the official site; minimum eligibility requirements apply to discount/affinity programs, and some programs require specific membership or licensing in force before policy inception. Submission/placement notes: Chesapeake directs agents to submit through independent agents, use the quote request process, and consult its Ask Kodiak appetite tool for risk-specific fit. For agent access, full agency appointments require a Maryland firm license; individual producer appointments with quoting access require a Maryland producer license; non-licensed producer accounts are view-only. The agent account form is returned to marketing@ceiwc.com, and Chesapeake says it responds within 1–2 business days. Operational underwriting notes from public materials: payment is required before policy issuance for new business; issuance occurs on the effective date if payment is received beforehand. Policyholders are expected to maintain accurate payroll records, complete premium audits timely, report injuries promptly, and keep contact information current. Broker/producer notes: emphasize Chesapeake’s Maryland specialization, safety services, dividend potential, and discount/affinity program eligibility when marketing risks; verify Maryland domicile/operations, any need for other-states exposure, applicable association membership or MHIC licensing, and producer licensing/appointment status before submission.