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
Product focus - Primary product: Workers compensation insurance only. - Market position: Long-time Missouri work comp leader now writing on a multi-state platform with one policy for all 7 states (per agent FAQ).([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) Geographic appetite - Core: Missouri; MEM positions itself as the leading workers compensation provider in Missouri.([mem-ins.com](https://www.mem-ins.com/?utm_source=openai)) - Multistate capability: MEM states they are ready to help agents serve clients "wherever they have exposures" with a single policy for all 7 states in their program.([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) - Not available: Map on the Agent Toolkit indicates all states are available for quotes except Washington, Wyoming, North Dakota and Ohio (these appear to be out-of-appetite / not written).([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) Risk appetite – high level - Broad workers comp appetite across hundreds of class codes with segmenting by underwriting company (MEM Mutual, MEM Protect, MEM Shield, MEM Secure, and Previsor; MEM Preserve to replace Previsor in 2026). These companies effectively replace the old pricing-tier structure and allow placement of both preferred and more challenging risks.([mem-ins.com](https://www.mem-ins.com/wp-content/uploads/Frequently-Asked-Questions_AGENT_.pdf?utm_source=openai)) - Agents are directed to use the online Appetite Guide to view targeting by industry and class code, plus a Class Code Search tool for specific code-level appetite.([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) Preferred / target business - MEM’s Appetite Guide is organized by industry (e.g., Accommodation & Food Services, Retail Trade, and many others) and is intended to highlight classes and business types they are actively targeting. The agent landing page specifically invites agents to “View the class codes and business types we are targeting” and to “Search our list of class codes,” indicating an explicit positive appetite for a wide spectrum of standard market work comp.([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) - External market commentary (non-MEM) notes that MEM has a broad appetite and typically quotes most Missouri employers regardless of class code, with multiple rating tiers used to reward better loss experience. This aligns with MEM’s own message of broad appetite supported by multiple underwriting companies, but agents should rely on MEM’s own appetite tools and underwriter feedback for binding decisions.([workerscompensationshop.com](https://www.workerscompensationshop.com/workers-compensation-services/companies/missouri-employers-mutual?utm_source=openai)) Restricted / declined classes - The published Appetite Guide page itself is a long list organized by sector; individual classes and NCCI codes are not explicitly labeled as preferred vs. restricted on the overview page. It is clear, however, that MEM uses IVANS and its own appetite tools to steer in-appetite submissions and avoid off-appetite risks. Agents are expected to verify appetite at the class-code level via: - MEM Appetite Guide (industry view). - Class Code Search (code-level view). - IVANS Markets integration for agency systems. - No single public list of flat-declined or prohibited classes (e.g., certain railroads, FELA, USL&H, aviation crew, trucking parcel delivery, etc.) is published on the general appetite page; these examples appear within broader industry lists and must be checked individually in the searchable tools for actual eligibility and program notes.([mem-ins.com](https://www.mem-ins.com/missouri-employers-mutual-takes-ivans-markets-platform-live/?utm_source=openai)) Submission & underwriting process notes - Agents are expected to: - Use the Appetite Guide and Class Code Search before marketing or submitting new business to confirm that the risk and codes align with MEM’s current appetite. - Quote and submit business through MEM’s agent portal and supported rating platforms; MEM has implemented IVANS Markets to automate appetite communication and direct in-appetite submissions.([mem-ins.com](https://www.mem-ins.com/missouri-employers-mutual-takes-ivans-markets-platform-live/?utm_source=openai)) - Pay-as-you-go billing is available via InsurePay, improving fit for accounts with variable payroll; agents can offer this as an option where appropriate to strengthen the submission.([insurepay.com](https://insurepay.com/news/insurepay-welcomes-missouri-employers-mutual-as-a-new-customer-on-its-workers-comp-pay-as-you-go-carrier-platform/?utm_source=openai)) - Billing and policy administration support are centralized through MEM’s online payment portal and Customer Care center; agents should direct insureds there for billing and audit questions and keep this contact information in proposal/servicing materials.([mem-ins.com](https://www.mem-ins.com/faq/?utm_source=openai)) Producer / broker instructions and contracting - MEM is transitioning its structure and explicitly notes in its Agent FAQ that agents must complete a new contract prior to 1/1/25 business due to the move to a private mutual structure and the new underwriting company framework. Producers should make sure they are recontracted and appointed under the correct MEM underwriting entities before placing 2025+ business.([mem-ins.com](https://www.mem-ins.com/wp-content/uploads/Frequently-Asked-Questions_AGENT_.pdf?utm_source=openai)) - Agents access tools, appetite and training via the Agent Toolkit page, which consolidates: - Agent Portal link (for quoting, policy and account management). - Appetite Guide link. - Class Code Search. - Recent Wins (to understand where MEM is currently competitive by class/segment). - Agency Training and industry resources. These tools are intended to be used before and during the submission process to align risks with appetite and improve hit ratios.([mem-ins.com](https://www.mem-ins.com/agents/?utm_source=openai)) Operational guidance for agents - Use MEM only for workers compensation placements. - Confirm geographic eligibility: do not submit monoline work comp in Washington, Wyoming, North Dakota or Ohio; treat other states as potentially eligible subject to class and exposure details. - Run every prospect through MEM’s Appetite Guide and Class Code Search (or IVANS Markets integration) prior to marketing; look for in-appetite classes and recent wins as positive indicators. - For borderline or complex risks, coordinate early with your MEM underwriter, note which of the MEM underwriting companies appears to fit (Mutual, Protect, Shield, Secure, etc.), and clarify any special safety or loss-control requirements. - Ensure your agency contract and appointments are updated for the post-2024 structure before binding new or renewal business. - Promote value-added features such as MEM’s safety resources, loss prevention services and pay-as-you-go billing when presenting submissions on otherwise in-appetite accounts. Because the detailed preferred/restricted status of individual class codes is controlled through MEM’s dynamic Appetite Guide and Class Code Search, agents should treat those tools and underwriter direction as the source of truth for code-level underwriting decisions.