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 is a workers’ compensation specialist and indicates it offers workers’ comp in 46 states plus D.C. The official producer-facing submission guidance verified is focused on workers’ compensation new business submissions rather than a detailed class-by-class appetite guide. Required submission items are ACORD 130 with employee counts by classification, all General Information questions completed, explanations for all yes answers, description of operations, and all physical location addresses; current NCCI experience modification worksheet; loss runs for the current and three prior years valued within 6 months; and premium/payroll history for the current and three prior years. Coverage cannot be bound until approved by a MEMIC underwriter. After approval, binding requires receipt of either a deposit premium or Comp-As-You-Go intent form together with the original application signed by both applicant and producer, and inception is no earlier than 24 hours after the postmark on the envelope containing that item. Geographic/producer notes: MEMIC states it is the guaranteed market for Maine; agencies seeking to submit Maine-only business must complete an Application for Authorization, and both the producer and agency must hold a non-resident Maine license. For broader agency partnership appointments, agencies submit an Agency Survey for underwriting leadership review. Existing agents submit business by email, mail, fax, and MEMIC’s agent materials also note that Express and Maine submissions can be submitted through the QuickComp portal. Broker/producer operational contacts published include submissions@memic.com for submissions, underwriting@memic.com for active-policy underwriting requests, agencyservices@memic.com for agency-related changes, qcomp@memic.com for QuickComp/IVANS help, and lossrun@memic.com for loss runs, though agents of record can also retrieve loss runs in QuickComp. No official publicly posted detailed preferred classes list or explicit declined classes schedule was verified on the carrier site from the located producer pages.