IWIF (Injured Workers Insurance Fund)
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 Insurance Company (formerly IWIF brand legacy content remains on parts of the site) publishes an open Maryland-focused workers’ compensation appetite. Current guidance indicates they write workers’ compensation for all types of businesses across Maryland and invite submissions for Maryland-domiciled insureds, including accounts that need multi-state coverage tied to Maryland operations. Preferred/target business includes general Maryland employers, small businesses, and construction risks; the agent materials specifically highlight experience with contractors and mention a Small Business Advantage for qualified accounts with premium of $10,000 or less, plus multiple affinity/discount programs for classes such as builders/contractors, restaurants, auto dealers, tree care, nonprofits, home improvement contractors, firefighters, and towing. No explicit hard-decline class list was found on the public official pages reviewed; risk-specific eligibility appears to be handled through the linked Ask Kodiak appetite tool and underwriter review. Geographic guidance is clear: core appetite is for businesses with employees or operations in Maryland, and submissions should be Maryland-domiciled; other-states exposure may be considered when connected to Maryland operations, but the employer handbook notes out-of-state coverage is limited and insureds with work in other states should coordinate with their agent or underwriter. Submission/servicing notes available publicly: appointed agents have access to online quotes, renewals, payments, eCertificates, online claim query/reporting, loss runs, discount programs, and business development support; agents are encouraged to become appointed to do business. Operational underwriting/admin instructions on official forms include coordinating sole proprietor status questions and officer inclusion/exclusion forms with the agent or Chesapeake Employers underwriter, and timely/accurate payroll reporting for audit. For claims reporting, the carrier strongly recommends reporting injuries via its toll-free hotline or online injury reporting service rather than relying only on paper ACORD forms. Overall, current published guidance supports broad Maryland WC appetite with emphasis on local underwriting access, agent appointment, construction expertise, small-business discounts, and use of Ask Kodiak/underwriter review for class-specific acceptability.