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 & MARKET POSITIONING - Monoline workers’ compensation specialist with employers’ liability incidental to WC; EPLI may be available as an endorsement to the WC policy for eligible accounts. ([mainelegislature.org](https://www.mainelegislature.org/legis/statutes/24-a/title24-Ach52.pdf?utm_source=openai)) - Super‑regional / national WC carrier: licensed nationally and actively writing in 46 states plus DC, with home state guaranteed-market role in Maine. ([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) PREFERRED / TARGET BUSINESS - Industry focus segments (actively promoted to agents): - Manufacturing - Hotels, resorts, and country clubs - Retail, including restaurants and grocery stores - Private schools, K‑12, charter schools, colleges and universities - Insurance companies, financial institutions, and law firms - Auto dealers and auto repair - Warehousing and fulfillment centers - Physicians and other professional offices. These classes are described as MEMIC’s “Industry Focus” and represent core appetite. ([memic.com](https://www.memic.com/agents/choosing-memic?utm_source=openai)) - Target accounts benefit from MEMIC’s strong loss-control and safety resources and are generally best‑in‑class or improving risks that value safety programs and partnership. RESTRICTED / DECLINED BUSINESS (INFERRED) - Publicly available MEMIC pages do not list a full class‑by‑class decline list. Appetite and off‑appetite risks are managed directly between underwriters and appointed agents. - MEMIC states it does not work with wholesalers; all production is through a select network of independent retail agencies. Wholesale‑broker submitted business is effectively declined. ([memic.com](https://www.memic.com/agents/choosing-memic?utm_source=openai)) - As a WC specialist, MEMIC is unlikely to write lines outside workers’ compensation, employers’ liability, and related EPLI endorsements; other P&C lines should be assumed out of appetite per statute and company positioning. ([mainelegislature.org](https://www.mainelegislature.org/legis/statutes/24-a/title24-Ach52.pdf?utm_source=openai)) GEOGRAPHIC NOTES - Headquarters: Portland, Maine, with regional offices in Manchester, NH and Albany, NY. ([memic.com](https://www.memic.com/about-memic/contact-us?utm_source=openai)) - MEMIC is the guaranteed market for workers’ compensation in Maine. Agents seeking Maine‑only WC placements use a separate “Application for Authorization” process. ([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) - MEMIC and its affiliates are licensed nationally and currently market WC in 46 states plus DC. Use MEMIC group entities (Maine Employers’ Mutual, MEMIC Indemnity, MEMIC Casualty) as appropriate by state; rating factors and tiers (Standard, Preferred, Safety, Small Business) vary by jurisdiction. ([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) SUBMISSION REQUIREMENTS (AGENTS) - Required items for a standard WC new‑business submission: ([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 by class code - Full description of operations - Physical location address(es) - All General Information questions answered with explanations for all “Yes” responses. - Current NCCI Experience Modification worksheet. - Currently‑valued loss runs for current and three prior policy years (valued within 6 months). - Premium and payroll history for current and three prior years. - Binding conditions: - Coverage cannot be bound until specifically approved by a MEMIC underwriter. - After approval, coverage can only be bound once MEMIC receives: - Deposit premium OR completed Comp‑As‑You‑Go (CAYG) intent form, AND - Original application signed by both applicant and producer. - Effective date will be no earlier than 24 hours after the postmark date on the envelope bearing the deposit premium or CAYG intent form. - Submission channels: - Email (preferred): submissions@memic.com - Mail: MEMIC Underwriting, PO Box 11409, Portland, ME 04104 - Fax: 207‑791‑3335 - Certain "Express" and Maine guaranteed‑market submissions may be sent via QuickComp agent portal. ([memic.com](https://www.memic.com/agents/become-a-memic-agent/submission-guidelines?utm_source=openai)) BROKER / PRODUCER NOTES - Distribution is limited to a select group of independent local agencies and brokers; MEMIC explicitly does not work with wholesalers. All placements must be via appointed/authorized retail agents. ([memic.com](https://www.memic.com/agents/choosing-memic?utm_source=openai)) - To become a MEMIC agent: - Complete and submit the Agency Survey (via DocuSign or PDF) to agencyservices@memic.com. - Underwriting leadership reviews and will contact the agency about potential appointment. - For Maine‑only placements without full appointment, agencies must complete an Application for Authorization; both the producer and agency must hold appropriate (including non‑resident Maine) licenses. ([memic.com](https://www.memic.com/agents/become-a-memic-agent?utm_source=openai)) - Key service / contact emails (operational): ([memic.com](https://www.memic.com/agents/agency-support?utm_source=openai)) - Submissions: submissions@memic.com - Active policy inquiries (endorsements, cancels, etc.): underwriting@memic.com - Loss runs: lossrun@memic.com (also available via QuickComp portal for agent of record) - Agency changes (acquisitions, address/name updates, etc.): agencyservices@memic.com - Commission questions & EFT setup: commissions@memic.com - QuickComp / portal & IVANS help: QComp@memic.com - Audit inquiries: audit@memic.com - Billing questions: billing@memic.com - Comp‑As‑You‑Go program: CAYG@memic.com - Each agency relationship is managed by a local Senior Production Underwriter responsible for both new and renewal business; loss control, claims, and premium audit services are delivered locally. Producers should expect close underwriting and risk‑management collaboration. ([memic.com](https://www.memic.com/agents/choosing-memic?utm_source=openai)) OPERATIONAL REMINDERS - All coverage is subject to MEMIC underwriting approval and applicable state laws and regulations; agents should not assume bind authority absent explicit underwriter confirmation. ([memic.com](https://www.memic.com/agents/become-a-memic-agent/submission-guidelines?utm_source=openai)) - MEMIC emphasizes safety and claims management; best results are with employers engaged in safety, willing to implement MEMIC loss‑control recommendations, and open to programs such as 24/7 injury triage and Comp‑As‑You‑Go. - For guaranteed‑market Maine risks, follow the specific MEMIC Maine authorization and submission workflow; for other states, follow standard MEMIC submission guidelines and use QuickComp when available.