Missouri Employers Mutual Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Missouri Employers Mutual (MEM) Final Score
2.5 Stars
Founded in 1995, Missouri Employers Mutual, commonly known as MEM, has been in the insurance industry for more than a quarter of a century. The insurance company is headquartered in Columbia, MO, and offers workers' compensation insurance for employers within the state.
Aside from offering workers' comp, MEM also offers workplace safety solutions, injury prevention programs, injury management programs, and more. The insurance company's main goal is to make employers in Missouri safe and provide thriving environments for all. Missouri Employers Mutual and its subsidiary, Previsor, will be one company, MEM, as of January 1, 2027. This will allow the combined company to provide comprehensive workers' compensation solutions across the Midwest, including Arkansas, Illinois, Iowa, Kansas, Missouri, Nebraska, and Tennessee in the Southeast.
Thanks to their many years of experience in the insurance industry, MEM has earned a reputation as a financially sound carrier. AM Best gives MEM an overall “A-” rating, indicating the carrier is an excellent choice.
We award Missouri Employers Mutual a final rating of 2.5 out of 5 stars. The carrier has more than a quarter-century of experience in the insurance industry, and specializes in workers' compensation in Missouri and a few other Midwestern states.
While MEM is highly rated by AM Best, it's difficult to assess customer satisfaction without finding adequate online reviews. The company appears financially strong and possesses significant expertise, but customer satisfaction is an important factor in recommending a carrier. We suggest speaking with an independent insurance agent to determine whether MEM is a good choice for your workers' compensation needs.
MEM Pros and Cons
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MEM Products
Missouri Employers Mutual (MEM) offers workers' compensation insurance and related products and services to employers in Missouri and several other Midwestern states (through its affiliate).
Your independent insurance agent can help you find more information about MEM and help you decide if this insurance company is right for you.
You can also use our national insurance company directory to find the best company to meet your needs.
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What Discounts Does MEM Offer?
MEM's official website explains that the one possible discount on workers' comp premiums comes in the form of:
- Experience modification factor discount: Businesses with lower e-mods could be rewarded with lower premiums. E-mods are calculated by a business's loss history as compared to the average business within that industry.
MEM does not provide further details about how much these discounts could save you on your coverage. In genearl, employers looking to save money on workers' compensation insurance are encouraged to focus on building a safety-focused culture for their employees.
For more information about MEM's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
MEM Customer Service
Here's a breakdown of MEM's customer service options and availability:
- Phone
- Fax
- Snail mail
- Customer service phone department hours not specified
To ensure a great customer service experience, work with an independent insurance agent.
Missouri Employers Mutual FAQs
MEM does not provide a specific claims response time frame.
MEM does not specify its customer service department's hours. Customers can contact the carrier via fax, email, and snail mail as well.
MEM does not provide much detail about their claims process beyond how to file. However, independent insurance agents can file claims for you, and keep you updated through every step of the process.
MEM provides a user-friendly experience for its customers. The carrier's public website is well done, but would benefit from providing more detail about the carrier's claims process, contact options, and more. The carrier does have a full social media presence, which makes them more accessible to customers.
We can assume that MEM provides good workers' compensation insurance, given it's long history of focusing entirely on this type of insurance for employers in one state. MEM does not provide much specific detail about its coverage without going through an agent. But an independent insurance agent can help you find more details about MEM's workers' compensation insurance, and help you decide if their insurance is right for your company.
MEM has high ratings from AM Best and the Better Business Bureau. However, it's extremely difficult to find any customer feedback about the carrier from either employers or employees. We can assume that MEM provides a quality product.
https://www.mem-ins.com
https://www.bbb.org/us/mo/columbia/profile/workers-compensation-insurance/missouri-employers-mutual-0734-110222192