Maine Employers Mutual Insurance Company (MEMIC)
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
MEMIC’s verified producer-facing submission guidance is for workers’ compensation only. Core submission requirements are: ACORD 130 workers’ compensation application completed with employee counts by class code, all General Information questions answered, explanations for all “yes” answers, description of operations, and all physical location addresses; current NCCI experience modification worksheet; current plus 3 prior years of loss runs valued within 6 months; and current plus 3 prior years of premium and payroll history. Coverage cannot be bound until approved by a MEMIC underwriter. After underwriting approval, binding requires either deposit premium or a Comp-As-You-Go intent form plus the original application signed by both applicant and producer; effective date is no earlier than 24 hours after postmark of the deposit premium or Comp-As-You-Go intent form. Operational appetite notes published by MEMIC indicate a strong small-business workers’ comp focus through MEMIC Express / QuickComp. MEMIC states more than 80% of its book is small employers and identifies ideal Express candidates as premium roughly $500 to $50,000, favorable loss history, fixed locations, and limited over-the-road exposure. Published example preferred classes include dry cleaners, hair salons, restaurants, auto and truck service centers, convenience stores, franchises, small manufacturing, and service businesses such as accounting and tax preparation. Eligible small-business classes may be rated, quoted, and issued through QuickComp without loss control consultation, with a stated 24-hour approval process for Express business. Geographically, MEMIC states it offers workers’ comp in 46 states plus Washington, D.C. For agency access, MEMIC is the guaranteed market for Maine and has a distinct Maine-only authorization pathway: agencies seeking to submit Maine-only business can complete an Application for Authorization, and MEMIC notes that both the producer and the agency must hold a non-resident Maine license. For broader appointments outside Maine, agencies are directed to complete the Agency Survey for underwriting leadership review. No single official public page was found listing broad declined or prohibited classes in narrative form. However, published appetite language suggests preference for profitable small employers with favorable loss history, fixed-location operations, and limited road exposure; risks outside eligible QuickComp / Express classes or requiring loss control review should be expected to need underwriter involvement. Producer instructions: MEMIC prefers submissions by email, but also accepts mail or fax. General underwriting submission contact is submissions@memic.com, fax 207-791-3335, mailing address PO Box 11409, Portland, ME 04104. Agency/appointment questions go to agencyservices@memic.com. QuickComp support and small-business quoting questions go to quickcomp@memic.com. Existing partners can use the QuickComp portal to rate, quote, issue eligible business, access claim/payment information, retrieve loss runs, and manage documents.