Discover the Mutual Advantage

The Mutual Advantage encompasses EIM’s commitment to delivering long-term value to its members and all the unique components that separate us from commercial markets. As a member-owned insurer, EIM operates without a profit motive—focusing instead on stable pricing, consistent policy terms, and underwriting strategies that prioritize member needs and relies on Member driven governance from its Board of Directors and Insurance Advisory Committee to ensure the Members’ voices shape the future of our company.

Our Values

Integrity

Member-Focus

Quality

Innovation

No Profit Motive

EIM aims for a combined ratio of 100%. When the industry performs well, EIM provides distributions from its surplus to the Membership, instead of to stockholders.

Low Expense Ratio

EIM maintains one of the lowest expense ratios in the industry of:

6 %

Member Driven Success

Value add services from EIS and ECM, plus individualized underwriting and claims customer service

Member Driven Governance

EIM Board of Directors and Insurance Advisory Committees utilize active C-suite and Risk Managers respectively to ensure EIM is responding to the Members it serves

The EIM Member Portal

The EIM Member Portal is the secure gateway to member insurance resources, collaboration tools, and member-exclusive content. Designed with ease of use in mind, the portal allows Risk Managers to download policy documents, export claims and policy histories, and access reports and community forums. It is also the gateway to the EIM Microsoft Teams Risk Community where members can exchange insights, post questions, and participate in focused discussions. Whether you're managing coverage, submitting suggestions, or staying informed, the Member portal is your central hub for all things EIM.

EIM Teams
‍Risk Community

EIM has opened its Microsoft Teams platform to verified Member Risk Professionals of EIM Member Companies to join as guest users, allowing them to utilize Teams’ functions they are familiar in a platform you can:

Meet Other Risk Managers

Share and capture knowledge with other industry risk managers.

Communicate outside your space

Send Teams messages to peers outside of your organization, just like you do internally

Share Files

Share large files securely.

Insider access

Get early access to EIM announcements and webinar reservations

Join in three easy steps!

1. Login into your EIM Member Portal.
2. Click the red "Join" buttin in the
lower right corner.
3. Read and agree to the Terms of
Use & Code of Conduct.

Upon acceptance of the terms and code of conduct, a request will be sent to EIM staff to review and verify (should be completed within 1 business day of the request).

Once you have been given access, you will be able to seamlessly switch accounts on your existing Teams platform in the upper right corner (no additional passwords necessary). You can customize your notifications to let you know when a new message has been posted or if you have received a message.

The Mutual Advantage at EIM

Discover the Mutual Advantage

6

%

The EIM Member Portal

EIM Teams
‍Risk Community

Take the Next Step & Join EIM Today

Join Our Community and Become a Member Today

The Mutual Advantage at EIM

Discover the Mutual Advantage

6

%

The EIM Member Portal

EIM Teams ‍Risk Community

Take the Next Step & Join EIM Today

Join Our Community and Become a Member Today

EIM Teams
‍Risk Community