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
Official site remains Chesapeake Employers Insurance (successor brand associated with IWIF) and the verified appetite page is active. Current published appetite is broad for workers compensation: Chesapeake says it writes coverage for all types of businesses across Maryland and invites submissions for Maryland-domiciled accounts, including risks that need multi-state coverage through its partner solution. Preferred/target business appears especially strong for Maryland small businesses and construction accounts; the agent benefits page highlights discounts/merit rating options for qualified small businesses with premium of $10,000 or less and states it has insured Maryland contractors for more than 100 years. The appetite page also points brokers to affinity/discount niches including Associated Builders and Contractors, Maryland restaurant owners, ADR union construction, auto dealers, tree care, nonprofits, home improvement contractors, firefighters, and towing safety program. No explicit class-by-class declined or restricted list is published on the verified appetite page; instead, brokers are directed to review the carrier’s detailed class appetite in Ask Kodiak for particular risks. Geographic note: core focus is businesses with employees or operations in Maryland, and submission language specifically references clients domiciled in Maryland; out-of-state exposure can be handled via partnered multi-state coverage rather than suggesting a standalone broad national appetite. Submission/producer guidance: appointed agents receive online quotes, renewals, payments, eCertificates, claim query/reporting, loss runs, business development plans, commissions, discount programs, and bonus plans. To obtain agent access/appointment, the official agent eServices form states full agency appointments require a Maryland firm license, individual producer appointments require a Maryland producer license, and non-licensed producer accounts are view-only; completed forms are returned to marketing@ceiwc.com and the carrier states response is generally within 1-2 business days. Operational broker note: claim reporting is emphasized as 24/7 online or by phone at 1-888-410-1400, with catastrophic injuries reported immediately, and claims arising outside Maryland for multi-state policyholders may be reported directly to Zurich, reinforcing the partnered handling for other-states exposures.