MEM is a mutual insurance company founded in 1995, providing workers' compensation insurance to employers. As a mutual company, it is owned by its policyholders - employers - rather than external shareholders. The company operates across seven states: Arkansas, Illinois, Iowa, Kansas, Missouri, Nebraska, and Tennessee, serving over 14,000 businesses and covering approximately 200,000 employees.
The company's core product is workers' compensation insurance, supported by several complementary services. These include Safety Grants to help employers prevent workplace injuries, Proactive Risk Consulting for pre-incident prevention strategies, and NurseAid, a 24/7 nurse consultation service available to injured workers. MEM's stated approach centres on making workers' compensation straightforward rather than stressful, with a focus on guiding policyholders through claims with clarity.
MEM's mutual structure means its obligations run to its policyholder-owners. The company positions itself around doing right by those employers, with a service model that extends beyond claims processing into injury prevention and workplace safety support.
