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
Carrier is Chesapeake Employers (successor to IWIF), focused exclusively on workers’ compensation in Maryland. They describe themselves as the largest writer of workers’ compensation insurance in Maryland and state that they "offer coverage for all types of businesses across the state" and welcome opportunities to quote any business domiciled in Maryland, including accounts that require multi‑state coverage, indicating broad appetite with ability to handle incidental out‑of‑state exposures when the insured is Maryland‑domiciled. Preferred / target risks: Businesses whose primary location (domicile) is Maryland. The site calls out multiple group and affinity programs that imply focus segments: Associated Builders and Contractors (construction contractors with ABC membership), Maryland restaurant owners, ADR union construction accounts, auto dealers (Auto Dealers Affinity Program), tree care operations, Maryland nonprofits, Maryland home improvement contractors, Maryland State Firefighters Association members, and towing operations enrolled in their Towing Safety Program. These programs typically signal actively targeted classes with available discounts and enhanced safety resources. Restricted / declined classes: The public appetite page does not list specific prohibited or restricted classes. Chesapeake directs agents to view detailed appetite in Ask Kodiak, which is where class‑level acceptability, restrictions, and referral triggers will be maintained. Treat any unusual, high‑hazard, or multi‑state‑heavy risks as subject to review and confirm in Ask Kodiak or with underwriting before firm marketing. Geographic notes: Appetite is centered on employers whose businesses are domiciled in Maryland. They explicitly note they can accommodate operations that may need multi‑state coverage when the client is Maryland‑domiciled, suggesting that out‑of‑state locations and employees are acceptable on a supporting basis rather than as standalone, non‑Maryland risks. Submission / agent expectations: The appetite page is located under the Agents section and emphasizes that they would "love the opportunity to offer" a quote for Maryland‑domiciled businesses, then directs agents to Ask Kodiak for specific appetite questions. Agents should: (1) verify the insured is domiciled in Maryland, (2) use Ask Kodiak to check class‑level appetite and any program eligibility, and (3) leverage applicable affinity or safety‑program discounts (ABC, restaurant, ADR union construction, auto dealers, tree care, nonprofits, home improvement contractors, firefighters association, towing). Additional standard tools called out for agents and policyholders include online quote access via "Get a Quote," Express Pay, and access to NCCI information and forms. Broker / producer notes: Appetite information is positioned as an agent‑facing resource. Detailed class appetite, special handling notes, and any restricted/declined categories are not listed on the static web page and instead live within Ask Kodiak, which should be treated as the primary, always‑current appetite reference for producers. Agents should expect that underwriting decisions and pricing will be aligned with the Ask Kodiak appetite, Maryland domicile requirement, and eligibility for listed group programs and safety plans.