EIM Announces $25 Million Member Distribution and Expanded Wildfire Capacity

EIM is pleased to share two important updates that reflect its continued financial strength and commitment to delivering meaningful value to Members.

$25 Million Member Distribution

At its November 4, 2026 meeting, the EIM Board of Directors approved a $25 million distribution for Members on record as of December 31, 2026, payable in March 2027.

Each year, the Mutual conducts a thorough assessment of its performance, financial position, and surplus requirements to determine how best to support the membership while maintaining EIM’s long-term financial strength and strategic flexibility. Based on this assessment, the Board approved the $25 million distribution to Members.

EIM remains committed to identifying opportunities to enhance the value of the Mutual for its Members while maintaining the financial strength necessary to support their risk financing needs.

Maximum Available Wildfire Capacity Increased to $75 Million

EIM is also pleased to announce that it is increasing its maximum available wildfire sublimit capacity to $75 million, effective January 1, 2027. The additional capacity will be underwritten on a case-by-case basis and will be available at Members’ respective renewals.

Member feedback continues to reinforce that stable, reliable capacity is the top priority, with additional wildfire capacity following closely behind. EIM continually evaluates opportunities to responsibly deploy additional capacity and has determined that it is well positioned to increase the maximum available wildfire sublimit from $65 million to $75 million on a sustainable basis, without compromising the stability of its broader capacity. Just as importantly, should catastrophic changes in loss experience or exposure force EIM’s capacity position to change in the future, EIM remains committed to providing Members with early and transparent communication.

Availability of this capacity remains subject to underwriting review and approval and will continue to be underwritten according to EIM’s established guidelines, providing appropriate differentiation based on the risk profiles of individual Members and regions.*

Please reach out to Pete Nadel with any questions regarding the Member distribution. Questions regarding the newly available wildfire capacity should be directed to your underwriter.

*California is not included in this offering.

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