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
Missouri Employers Mutual (MEM) writes workers compensation through appointed independent agents only. Current agent materials position MEM as a work comp specialist targeting employers that are committed to workplace safety, long-term loss control, and return-to-work practices. MEM states it covers more than 95% of work comp class codes, with appetite presented at the individual class-code level as Preferred, Eligible, or Ineligible. Core target industries highlighted on the appetite page include agriculture, construction, education, healthcare, manufacturing, and public administration. Examples shown as Preferred include restaurants/fast food, hotels, child care centers, hospitals, charitable/welfare organizations, property management, many retail classes, trucking NOC, police officers, and municipal/state employees. Examples shown as Eligible include many manufacturing classes, towing, parcel/package delivery, and numerous specialized classes. Notable restricted/declined classes on the published appetite page include many aviation flying-crew classes, oil or gas pipeline operations, marine salvage operations, firefighters/volunteer firefighters, armed service risk, and certain railroad/FELA-related operations; some logging/tree removal operations are also marked ineligible. Geographic notes: MEM’s agent toolkit says quotes are available in all states except Washington, Wyoming, North Dakota, and Ohio, with primary operating states listed as Missouri, Nebraska, Iowa, Kansas, Illinois, Arkansas, and Tennessee; a separate underwriting positioning sheet says MEM writes Missouri and affiliated Previsor handles Kansas, Illinois, Arkansas, Iowa, Nebraska, and Tennessee. Submission/quoting guidance for producers: MEM emphasizes accurate FEIN or SSN, correct proposed effective date, years in business, prior loss history/work-related injuries, proper class code selection, payroll and employee count, and schedule-rating support documentation. MEM states there must be payroll to obtain a work comp policy; it does not write ghost policies or accounts with no employees when the owner is excluded; for residential and commercial construction risks, there must be at least $10,000 in employee payroll or the owner/officer must be included for coverage. Broker/producer notes: agents can use the producer portal for prospects, resubmissions using prior-year applications, production reports, loss runs, and renewal workflow support. MEM also publishes that it wins more than 1 in 4 quotes and serves employers through its independent-agent network.