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Safety and risk support built into your coverage. 

Claims and e-mod trends are hard to get ahead of on your own. Most carriers sell you a policy and move on, leaving injury prevention to you. MEM’s Safety & Risk Services professionals stay engaged with in-house safety consultation, matching grants, and a library of resources to help you prevent the next claim – not just respond to it.

“MEM goes beyond insurance coverage. They actually care about the safety of your organization.” 

Casey Smith, Owner, Casey’s Tree Service LLC 

Preventing injuries takes a partner, not just a policy. 

Work comp is all we do, which means our Safety and Risk Consultants are specialists in the industries and states we serve – not generalists dividing attention across other lines of insurance. They partner with you to evaluate your operations, review your claims history, and build a practical plan to reduce injuries and control your e-mod.

  • On-site and virtual risk consultations. We walk through your worksite to identify risks and help you plan to prevent injuries.
  • Claims and e-mod analysis. A clear picture of what your claims history is telling you – and how it’s impacting your e-mod and premium.
  • Safety training support. Our consultants provide input to help you design your safety and health program, and may also conduct training for your team. 

    We also use an aggressive, multilayered approach to combat opioid addiction risk. Narcotics are prescribed only to those who really need them, at a rate far below industry averages.

Ask your agent about partnering with MEM.

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Infographic showing 5 safety consultation steps: schedule visit, walk worksite, identify risks, create prevention plan, and stay connected.

We put money back into your safety and health program. 

MEM invests in your employees’ safety and health. All policyholders can apply for matching grants to help fund improvements that protect employees and positively impact their operations. See how one business put their grant to work. 

Grant recipients see an average 96% reduction in related claims. MEM has invested $3.6 million in safety grants – and counting. 

  • Equipment that prevents injuries. Grants have funded lifting devices, fall protection systems, ergonomic tools, and more across construction, healthcare, manufacturing, transportation, and beyond. 
  • Matched to your specific hazards. Every grant is tied to a real risk. The equipment funded is chosen because it addresses the loss drivers in your industry and operations. 
  • Matching funds. Safety grants are a dollar-for-dollar match, so MEM’s investment pairs with yours.
Learn about the Safety Grant Program

By the Numbers

22

Average years of consultant experience

88%

of MEM policyholders were injury-free in 2025

98%

of policyholders served by SRS rated the experience Excellent or Good

10,000+

employees benefit from MEM safety training each year

300+ free resources, created by occupational safety and health professionals.

MEM’s resource library gives every policyholder on-demand access to practical safety tools – free and created for the industries and loss drivers our customers face. 

  • Safety rules, policies, and forms. Ready-to-use templates to build or strengthen your safety program. 
  • Toolbox talks and training materials. Short, focused content to lead effective safety meetings.
  • Posters and checklists. Print-ready job aids for the floor, the vehicle, or the job site.
  • The WorkSAFE Podcast. 180+ episodes featuring safety and work comp experts on the topics that matter most to your business. 
Explore MEM’s Resource Library

A safer workplace is a stronger business. 

Fewer injuries mean a steadier e-mod, more predictable costs, and more time focused on running your business. MEM’s safety consultation, grants, and resources are built to help you get there – and they come with every policy. 

See what MEM’s safety support can do for your business.

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