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
Preferred business: - Monoline workers’ compensation placements written through appointed agents and processed via MEMIC’s underwriting team. No separate public appetite guide is shown; assume standard MEMIC workers’ comp focus with emphasis on safety and loss control. Submission requirements (Required items): - Completed Workers’ Compensation Application (ACORD 130) including: - Number of employees for each classification code. - Responses to all questions in the General Information section. - Detailed explanations for all questions answered “YES.” - Clear Description of Operations. - Physical location address(es) for all covered operations. - Current NCCI Experience Modification worksheet. - Currently valued loss runs for the current policy term and three prior years (valued within 6 months of application). - Premium and payroll history for the current policy term and three prior years. Binding conditions / operational notes: - Agents and brokers cannot bind coverage; coverage must first be approved by a MEMIC underwriter. - After underwriting approval, coverage is only considered bound once MEMIC has received either: - A deposit premium payment, or - A completed Comp-As-You-Go intent form, AND the original application signed by both the applicant and the producer. - Effective date timing: coverage will not incept earlier than 24 hours after the postmark date on the envelope containing the deposit premium or Comp-As-You-Go intent form. Submission channels: - Mail submissions to: MEMIC Underwriting, PO Box 11409, Portland, ME 04104. - Email submissions to: submissions@memic.com. - Fax submissions to: 207-791-3335. Broker / producer instructions: - Use ACORD 130 and ensure all operational and classification information is complete and supported by detailed narratives where risk characteristics are not obvious from class codes. - Ensure all required historical data (loss runs, premium, payroll, and current NCCI mod worksheet) are included and current; MEMIC expects loss runs valued within 6 months of submission. - Manage insured expectations regarding binding: clearly communicate that no coverage is in force until MEMIC underwriter approval and receipt of signed application plus deposit/Comp-As-You-Go documentation, with a minimum 24‑hour lag after mailing. Geographic / appetite notes: - The public submission-guidelines page is operational and does not list specific state or class restrictions. For detailed appetite (states, prohibited or restricted classes), producers should refer to territory underwriters or MEMIC marketing/agency support resources, and use QuickComp where available.