2026-27 Wildfire Credit for EIM Members

For over a decade, wildfire has proven to be one of the most disruptive and fast-moving perils facing EIM and its membership. Since it emerged as a key driver of volatility in the late 2000s, EIM has experienced losses of over $1 billion and collected just $300 million in premium. Despite this challenging environment, we are pleased to report that EIM’s wildfire loss experience is trending favorably over the past eighteen months.

In recognition of this favorable experience and as announced in this morning’s session at the RMIM, EIM will be offering a one‑time, 10% Wildfire credit for 2026/2027 renewals.

Credit Details

Beginning May 1, 2026, and continuing for all renewals up through April 30, 2027:

Members who:

• purchased Wildfire coverage at their last renewal and
• continue to purchase Wildfire coverage at or above their expiring limit

will receive a credit equal to 10% of their Wildfire premium (net of commission), at their upcoming renewal.

This credit will be reflected as a separate line item on the renewal invoice reducing the net due to EIM at renewal.

As stated above, this is a one‑time credit EIM is excited to offer in recognition of a short period of favorable loss activity. EIM will continue to evaluate the appropriateness of premium credits in future years; however, members should avoid incorporating potential future credits into budget planning. Expectations should continue to be based on the rated premium.

EIM is very pleased with the commitment and dedication of the membership to collectively address this peril and is pleased to recognize the positive results of EIM’s wildfire loss experience by providing this wildfire credit.

Please reach out to your Underwriter if you have additional questions.

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