Our members, our focus

Powering Risk Protection for the Energy Industry

overview

Since 1986, Energy Insurance Mutual has been the trusted insurance partner to the most prominent energy companies in the United States and Canada, providing industry-leading insurance coverage.

6
%
Expense Ratio
"A"
AM Best Rating
150
+
Member Companies
97
%
Member Retention Rate
Our Values
Integrity
Member-Focus
Quality
Innovation
who we are

Your Trusted Mutual Partner

We're more than an insurance provider. We're a member-owned organization dedicated to protecting and empowering the future of energy, built on decades of trusted partnership.

Our Story

Energy Insurance Mutual (EIM) began in 1985 when affordable insurance coverages were scarce. Representatives from 67 electric utilities met in Chicago to address the crisis. Those utilities recommend the formation of a mutual and EIM was born. The Company was incorporated under the Companies Act of Barbados in 1986 and received its license in Florida in 1988.

Our Mission

To provide members with a financially sound organization offering a secure, stable source of superior long-term insurance and risk financing products and services.

Our Vision

To be the premier provider of insurance and risk management services to utilities and the energy services industry.

What we do

Comprehensive Energy Insurance Coverage Solutions

your success is our success

Why Choose a Mutual Partner?

Our mutual structure sets us apart. We're driven and goverened by our members, focused on their needs, and dedicated to their long-term success.

Industry Expertise

Unlike most commercial insurers, our focus is exclusively on energy. Our Board of Directors and Insurance Advisory Committee consist of energy industry leaders, ensuring deep understanding of your unique risks and challenges. This specialized knowledge translates into more relevant coverage, more collaborative claims resolution, and better risk management solutions for our members.

Financial Strength & Stability

We offer the stability energy companies need. Our mutual structure means we focus on long-term protection rather than quarterly profits, maintaining consistent coverage capacity even during hard markets.

Member-Driven Solutions

As a mutual company, every member has a voice in our direction. Through our board of directors , IAC and member engagement, members actively shape our coverage offerings and risk management solutions. We also reinvest into expanding coverage options and strengthening our financial position rather than paying external shareholders.

97

%

Member Retention Rate
Events

Upcoming Member Events

Right Arrow
This is some text inside of a div block.
The Energy School
May 17
-
May 21, 2026

The Energy School

May 17th-21st, 2026

Location: Florida State University, Tallahassee, FL

Details: The Energy School, hosted by The Florida State University School of Business and sponsored by AEGIS, EIM, NEIL and Everen, will shed light on specific challenges facing today’s energy professionals. This program is designed for risk management and claims professionals and will provide knowledge needed in performing and adapting amid the challenges of the industry.

Right Arrow
This is some text inside of a div block.
IAC Meeting
Jun 2
-
Jun 2, 2026

Please reach out to an IAC representative if you have topics or questions you would like discussed at this meeting.

Right Arrow
This is some text inside of a div block.
IAC Meeting
Sep 10
-
Sep 11, 2026

Please reach out to an IAC representative if you have topics or questions you would like discussed at this meeting.

Right Arrow
This is some text inside of a div block.
EIS Annual PAC Conference
Nov 8
-
Nov 11, 2026

EIS Annual PAC Conference

November 8−11, 2026

Location: The Emeline Charleston, SC

We’ll be back in downtown Charleston at the beautiful Emeline Hotel in 2026. Our conference is
commencing on Monday, October 28 with the General Session on Tuesday morning. Individual
PAC meetings will be held throughout the week, and there will be networking opportunities
during the conference.

Registration will be available in early-August 2026. Please reach out to
Megan Ogden at mogden@eimltd.com with any questions. We look forward to seeing you!

Right Arrow
This is some text inside of a div block.
IAC Meeting
Dec 8
-
Dec 8, 2026

Please reach out to an IAC representative if you have topics or questions you would like discussed at this meeting.

Right Arrow
This is some text inside of a div block.
RMIM 2026
Feb 21
-
Feb 23, 2027

Risk Managers Information Meeting

February 21st-23rd, 2027

Location: JW Marriott, Tampa, FL

Details: The EIM Risk Managers Information Meeting is an annual event where members, industry partners, and guests gather to attend important informational sessions and network with EIM staff and their industry peers. The meeting features various activities, including keynote speeches, breakout sessions, and receptions, all aimed at enhancing knowledge and fostering connections within the industry.

energy insurance mutual Limited news

Bringing You the Latest Updates at EIM

View All
View All
Celebrating 40 years

We're Going Ruby!

This year, EIM is proud to mark our 40th anniversary — and we’re “going Ruby”! The 40th anniversary is traditionally the “Ruby” anniversary which symbolizes passion, vitality, and enduring relationships. For four decades, EIM has been dedicated to supporting our members and the energy industry and demonstrating those traits that define our EIM family.

To commemorate this milestone, EIM is incorporating Ruby coloring into our logo for this year as a reminder of that passion and the enduring relationship with our members, partners, and team.

Thank you to all of you for being part of this remarkable journey. Cheers to 40 years of achievements and to a future that has a ruby shine!

EIM has been assigned an A.M. Best Financial Strength Rating of "A" (Excellent).