Missouri Employers Mutual
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
MEM is a workers compensation specialist. The official agent appetite guide is active and indicates MEM targets a broad workers comp footprint, stating it covers more than 95% of work comp class codes, with 600+ codes listed. Core target industries highlighted on the appetite page are Agriculture, Construction, Education, Healthcare, Manufacturing, and Public Administration. The guide grades classes individually as Preferred, Eligible, or Ineligible. Examples of preferred business shown include restaurants and fast food, hotels, fence installation/repair, police officers, housing authorities, real estate appraisal, trucking NOC, parcel/package delivery, and courier/messenger operations. Examples of eligible classes shown include many manufacturing operations, auto towing, oil-field equipment trucking, cold storage/warehouse-related classes, and some FELA clerical or railroad-construction program classes. Examples of ineligible or restricted classes shown include dredging under admiralty law, firefighters and volunteer firefighters, armed service risks, railroad operations under FELA program classes, most aviation flying-crew classes and FAA-contracted air traffic controllers, and oil/gas pipeline operations. Geographic guidance: MEM markets itself as serving employers in Arkansas, Illinois, Iowa, Kansas, Missouri, Nebraska, and Tennessee, while the agent toolkit map says quotes are available in all states except Washington, Wyoming, North Dakota, and Ohio; this suggests a primary Midwest footprint with broader quote capability subject to class/state availability. Submission/producer notes: MEM distributes business through agents, points prospects to Find an Agent, and maintains an Agent Toolkit with Appetite Guide, class-code search, recent wins, agency training, and an agent portal. Producer-facing notes emphasize matching business to the listed class-code appetite and using the class-code search/recent wins tools before submission. Notable broker/policyholder instruction: MEM offers a Pay-as-You-Go payment plan powered by InsurePay for MEM and Previsor policies, with no premium size limit, selectable at new business or renewal; Argonaut policies are excluded.