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
Product focus - Monoline workers’ compensation written through MEMIC and MEMIC group companies; marketed via independent agents. Active in Maine and most of the U.S. (stated as 46 states plus D.C.).([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) Preferred / target business - Risks that value workplace safety and are willing to engage with MEMIC’s loss control and return‑to‑work services (strong cultural emphasis on safety and partnership in underwriting/claims).([memic.com](https://memic.com/about-memic?utm_source=openai)) - Middle‑market accounts are a strategic focus (referenced in Champion Circle/agency marketing material), with appetite managed through production underwriters by territory.([irp.cdn-website.com](https://irp.cdn-website.com/a63ec802/files/uploaded/Champion-Circle-One-Sheet.pdf?utm_source=openai)) Geographic notes - MEMIC is licensed/writing workers’ comp in 46 states plus D.C.; Maine is the historical core and residual‑market role, but agents may submit eligible business in licensed states via appointed producer relationships.([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) Submission requirements (standard workers comp new business) Required items for all new business submissions to Underwriting:([memic.com](https://www.memic.com/agents/become-a-memic-agent/submission-guidelines?utm_source=openai)) - Completed ACORD 130 Workers’ Compensation Application including: - Number of employees for each classification - Full answers to General Information questions - Explanations for all “YES” answers - Detailed Description of Operations - Physical location address(es) for all locations - Current NCCI Experience Modification worksheet - Currently‑valued loss runs for current policy term plus three prior years (valued within 6 months of application) - Premium and payroll history for current term plus three prior years Binding conditions - Coverage cannot be bound until a MEMIC underwriter has reviewed and formally approved the account. - Even after approval, coverage is not bound until MEMIC receives either: - Required deposit premium payment, or - A completed Comp‑As‑You‑Go intent form - Original application must be signed by both the applicant and the producing agent/producer. - Effective date will be no earlier than 24 hours after the postmark on the envelope carrying the deposit premium or Comp‑As‑You‑Go intent form (for mailed items). Submission channels & contacts - Preferred submission: email to submissions@memic.com. - Alternatives: mail to MEMIC Underwriting, PO Box 11409, Portland, ME 04104, or fax to 207‑791‑3335.([memic.com](https://www.memic.com/agents/become-a-memic-agent/submission-guidelines?utm_source=openai)) - General underwriting, product, policy, or agency code questions: call Underwriting at 1‑800‑660‑1306; agent support and producer changes handled through the Agency Support page and agencyservices@memic.com.([memic.com](https://www.memic.com/agents/agency-support?utm_source=openai)) Producer / broker instructions - To submit business, the agency must be authorized/appointed with MEMIC. Prospective agents complete an Application for Authorization (DocuSign or PDF) and must hold appropriate Maine (including non‑resident where needed) licenses; upon approval, the agency is authorized to submit Maine business, and broader MEMIC group opportunities may be discussed by Underwriting leadership.([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) - Existing agents are directed to: - Review MEMIC’s Agent Submission Guidelines (same core as Submission Guidelines page) and - Send submissions via the submissions email, mailing address, or fax noted above. - Operational expectation is relationship‑driven, “old‑school” underwriting: production underwriters are responsible for growth and profit in their territory; agents are encouraged to contact underwriters for risk discussions, questions, and QuickComp rating assistance.([memic.com](https://www.memic.com/agents?utm_source=openai)) Restricted/declined classes - MEMIC does not publish a detailed public appetite grid or explicit class‑by‑class decline list on the accessible producer pages. Appetite and any restricted or declined classes are managed directly by territory underwriters; agents are instructed to contact Underwriting for specific eligibility and class discussions and to confirm fit before marketing or submitting edge‑of‑appetite classes.([memic.com](https://www.memic.com/agents/agency-support?utm_source=openai)) Operational notes for underwriters/agents - Ensure all submissions are complete (ACORD 130, mod, full 4 years of loss runs and payroll/premium) to avoid delays; incomplete files will typically be pended for additional information before underwriting review. - No authority is granted to agents to bind workers’ comp; all binding authority remains with MEMIC Underwriting subject to the deposit/Comp‑As‑You‑Go and signed‑application conditions above. - Use QuickComp (MEMIC’s rating/quoting portal) for indicative quotes; final pricing and terms are subject to underwriter approval and may differ from portal indications following review of loss history, operations, and safety culture.([memic.com](https://www.memic.com/agents/agency-support?utm_source=openai))