Missouri Employers Mutual Insurance

Get a Missouri Employers Mutual workers compensation quote. We're a MEM Elite Partner and we help you find lower insurance rates.

MEM Insurance offers low cost workers compensation on select class codes

What Makes MEM Workers Compensation Better?

Missouri Employers Mutual is currently the largest workers comp insurance company in the state. They wrote their first workers compensation policy in 1995, after getting a $5 million dollar loan from the state. Their purpose was to help foster competition on rates and MEM now offers some of the lowest rates in Missouri for select class codes. They have a strong focus on safety and provide free services to policy holders. MEM Insurance currently has an A- rating from A.M. Best.
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Why Choose Missouri Employers Mutual

MEM is a Missouri based workers compensation carrier, headquartered in Columbia, with a strong reputation for their excellent safety services and claims management programs. In 2014 they introduced their new Safety Service Center called WorkSAFE. With claims and medical costs on the rise, MEM focuses on things that help reduce the cost of coverage such as:

  • Contacting injured workers within 24 hours
  • In-house nurse case managers to help speed recovery times and return to work
  • A generic pharmacy program to reduce the cost of medication
  • Specialized staff who manage return to work programs, fraud, complex medical issues, third parties, and major claims
  • A strong medical network and claim service partnerships throughout Missouri
Lower MO Work Comp Rates With MEM

Missouri Employers Mutual Ins. has a broad appetite for hundreds of business types and industries throughout the MO state. And they offer four rate tiers to provide more competitive quotes to businesses who qualify for premium discounts.

MEM has a very broad appetite and will normally quote most Missouri employers regardless of their class codes. However, some of their target classes of business for 2014 include:

MEM 2016 Target Classes for MO Workers Compensation:

CODE DESCRIPTION
0042 Landscaping and Gardening
1803 Stone Cutting and Polishing
3076 Sheet Metal Products- Shop
3632 Machine Shop
4299 Printing
Superior Safety Services

Missouri Employers Mutual has a strong reputation for superior safety services, loss prevention services, and claims handling. Their total medical costs per claim are lower than the national and state averages over the past four years. This often reflects in their workers compensation rates.

MEM offers valuable safety resources through the WorkSAFE center including sample drug policies, other workplace policies, and customized industry training for employers and employees.

Workers Compensation Shop | MEM

Our agency has partnered with MEM to make it easier and more affordable than ever to shop workers compensation insurance with Missouri Employers Mutual. We're a MEM Elite Partner and we know how to help employers get the most out of a Missouri Employers Mutual workers compensation policy. Call us for a free quote today.

2016 Payroll for MO Business Owners

Effective January 1 2016, MO State law requires owners and officers to use a payroll amount of $39,500 to calculate premium. This applies to sole proprietors, partners, corporate officers, and LLC members. Owners may automatically assign 10% of their payroll to 8810- Clerical Class Code.

MEM Pay As You Go Work Comp

Get Pay As You Go workers compensation from Missouri Employers Mutual. We offer easy pay solutions designed to improve cash flow and protect your business from large audit balances with our Pay As You Go options.


Whether you want us to work with your current payroll provider, or you're looking for a payroll and workers compensation solution in one. Workers Compensation Shop can help purchase Pay As You Go workers' compensation insurance and find a great payroll provider.


*Workers Compensation Shop is an approved vendor for MEM's EZ-Pay program.

MEM Rate Tiers

Missouri Employers offer four rate tiers for pricing premium. Rate tier selection is based on factors such as premium size, loss history, occupational exposure, hazard analysis, and class code fit.

Workers Comp Payment Programs
Direct Workers Comp Billing

The industry standard. 15% to 25% down with 3 to 9 installments.


Equal Payments - Installments

Available with some of our carriers to help improve cash flow and reduce upfront premium due.


Self Monthly Reporting

An improved version of 12 equal installments that helps protect against additional audit premium.


Pay As You Go Workers Compensation

A proprietary program of generating and paying premium based off of you current payroll system.


Pay As You Go via your Payroll Company

A proprietary program where we report and collect premium from your current payroll company.


Payroll and Workers Compensation

Our own solution for integrating payroll and workers' compensation into one service.

Workers Comp Industry Programs

Workers Comp Programs by Industry Class

Missouri Employers Mutual is headquartered in Columbia, MO. They have branch locations in Kansas City, St. Louis, and Springfield. Currently, MEM ins. is only licensed to sell workers compensation in Missouri.

Call us today at (888) 611-7467 for a free, no-obligation Missouri Employers Mutual Insurance Quote from a MO based agency specializing in workman's comp coverage.

Get a MEM Workers Compensation Quote

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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