Terms of Use

Attention:  Please read these Terms of Use before using this site.  These Terms may have changed since your last visit.  Your use of the website constitutes consent and agreement with these Terms of Use. 


As used herein, The MEMIC Group (comprised of Maine Employers’ Mutual Insurance Company, MEMIC Casualty Company and MEMIC Indemnity Company), hereinafter, referred to as “MEMIC”, “we”, “us” and “our” maintains this site as a service to our policyholders, agents, injured workers and other interested parties. 

Purpose of the Website

The goal of our website is to provide you with access to information about our products and services.

Use of the Site

You are accessing memic.com using the internet and your internet service provider.  You assume full responsibility and all risks arising from use of this site.  We cannot guarantee the security.  We disclaim all liability for any security breaches of online communications or for any electronic, computer or other system failures.  We are not liable to any person for loss, liability or damages, including consequential or special damages, arising as a result of any security breaches or system failures or any defect of the electronic online communication procedures, including without limitation, loss due to data modification or destruction. 

Our website contains proprietary information.  It contains proprietary software, graphics, text images, and other material, collectively referred to as “Content”, that is protected by copyright and other laws.  You may copy and use our Content for your own use (e.g., post a link to or otherwise call attention to our content) and you may share the Content (e.g., press releases) with persons whom you believe may be interested in reading it, provided in each instance you do not remove any copyright and other proprietary notices contained in the Content.  Except as otherwise provided herein, you may not distribute, modify, transmit, reuse, repost, link or use the Content for public or commercial purposes without MEMIC’s written permission.  All trademarks, service marks, trade names, logos, icons, and domain names located on our website are the property of MEMIC or others.  Your use of the trademarks, service marks, trade names, logos, icons, and domain names displayed on this website is strictly prohibited. 

Any unauthorized use of the Content on any other internet site or network computer environment for any purpose is prohibited.  This site and the Content are the property of The MEMIC Group and is protected from unauthorized copying and dissemination by U.S. copyright law, trademark law and other intellectual property laws.  Should you violate any of these Terms of Use, your authorization to use this site will be automatically terminated and you must immediately destroy any downloaded or printed Content. 

Trademarks, Service Marks, and Copyrighted Materials

You may not use any registered or unregistered trademark, service mark, or copyrighted materials appearing on our website, including but not limited to any logos or characters, without the express written consent of the owner of the trademark, service mark or copyright.  You may not deep link, frame, or otherwise incorporate into another website any of the Content or other materials on this website without our express prior written consent.

Violation of intellectual property laws may result in significant civil liability or criminal penalties under U.S. and/or global trademark and copyright laws.  Any reproduction or use of Content, except as authorized by these Terms, is considered intentional infringement. 

Links to other Websites

MEMIC’s website contains links to websites belonging to third parties.  These links are provided solely as a convenience to you.  If you use these links, you will leave our site.  These websites are not controlled or maintained by MEMIC and may contain separate Terms of Use and have different Privacy Notices.  MEMIC does not accept any responsibility or endorse or make any representations about them, or any information, software or other products or Content found there, or any results that may be obtained from using them. 

No Implied Endorsements

In no event shall any reference to any third party or third-party product or service be construed as an approval or endorsement by The MEMIC Group of that third party or of any product or service provided by a third party.

No Warranties

The Content on this website is not intended to provide complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by The MEMIC Group, but is provided “as is” without representations or warranties of any kind, either express or implied, including, but not limited to, warranties of merchantability, title or non-infringement, or fitness for a particular purpose.  The MEMIC Group makes no warranty that the use of the site or the Content will be uninterrupted, timely, secure, or error free or that defects, if any, will be corrected. Furthermore, we assume no responsibility for any damages that may be suffered by you, including but not limited to, losses from delays, non-delivery of Content or any communications, errors, system down time, network or system outages, file corruption, or service interruptions.  

MEMIC makes no representation that all insurance products and services on this website are appropriate or available for use in your state.  Some insurance products and services may not be available in all states or jurisdictions.  The information contained on this website is not an offer to sell or a solicitation to buy any insurance product or service.  No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance laws or other laws of such jurisdiction. 

Governing Law

This site is administered by MEMIC (excluding linked sites) from our offices in Portland, Maine.  This website can be accessed from all 50 states, but each state may have laws that differ from those of Maine.  By accessing this website, you agree that these Terms of Use and your use of the website will be governed by federal law and the laws of the State of Maine, without regard to conflict of laws provisions.  You agree to exclusive jurisdiction and venue in the state and federal courts located in the State of Maine for all disputes, cases and controversies regarding this website, your use of this website and your relationship with us.  If you choose to access this site from outside the U.S., you do so on your own initiative and are responsible for compliance with applicable foreign laws. 


For questions concerning these Terms, please contact MEMIC’s Senior Vice President, External Affairs at P.O. 11409, Portland, ME 04104 or by calling 1-207-791-3300.

Updated April 10, 2020