Missouri Employers Mutual Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Missouri Employers Mutual.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Missouri Employers Mutual (MEM) Insurance Company at a Glance

  • Founded in 1995
  • Specializes in workers' comp coverage
  • Rated "A-" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

MEM pros: High ratings by AM Best and the BBB. More than a quarter-century's worth of experience in the insurance industry.

MEM cons: Only one form of coverage offered. Limited reach. Hard to find customer feedback. Claims process not detailed.

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What Type of Insurance Does MEM Offer?

Missouri Employers Mutual is a specialized insurance company who only offers one type of coverage:

  • Workers' compensation insurance

Your independent insurance agent can help you find more information about the coverages offered by MEM, and help you decide if this insurance company is right for you.

What to Know about Missouri Employers Mutual

Founded in 1995, Missouri Employers Mutual 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 for employers within the state. The carrier's LinkedIn profile states that they have 259 employees. 

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. Through MEM's partner, Previsor, workers' comp coverage is also available in Arkansas, Illinois, Iowa, Nebraska, and Tennessee.

Thanks to their many years of experience in the insurance industry, Missouri Employers Mutual Insurance Company has earned a reputation over time as a reputable and financially sound carrier. AM Best gives Missouri Employers an overall “A-” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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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. 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
  • Email
  • Customer service phone department hours not specified

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Missouri Employers Mutual FAQ

What is MEM's average claim response time frame?

MEM does not provide a specific claims response time frame.

What is MEM's customer service availability?

MEM does not specify their customer service department's hours. Customers can contact the carrier via fax, email, and snail mail as well. 

What is MEM's claims process?

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. 

Does MEM create a user-friendly experience for customers?

MEM's official website is well done, but would benefit from providing more detail about the carrier's claims process, contact options, etc. The carrier does have a full social media presence, which makes them more accessible to customers.

Does MEM have good workers' comp coverage?

MEM does not provide much specific detail about their workers' comp coverage without going through an agent. But an independent insurance agent can help you find more details about MEM's workers' comp coverage, and help you decide if their insurance is right for your company.

Is MEM a good insurance company?

MEM has high ratings through AM Best and the BBB. However, their coverage options and reach are extremely limited. It's extremely difficult to find any feedback about the carrier from customers. So, we're not exactly ready to call MEM a good insurance company at this time.

TrustedChoice.com's Final Review

We award Missouri Employers Mutual a final rating of 2 out of 5 stars. The carrier has more than a quarter century's experience in the insurance industry, but only offers one form of coverage. Their reach is highly limited to just five states.

While MEM has high ratings through AM Best and the BBB, they're not accredited by the latter organization and have had two complaints filed against them in recent years. It's also virtually impossible to find any customer feedback about the carrier.

So, with the limited information available, we're forced to recommend looking into other options for quality workers' comp coverage along with the help of an independent insurance agent.

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