By Megan Brown ARM, MIP, CWCP, CAWC
President
Throughout my time at MTM, I’ve often been asked a simple question: What makes MTM different?
In today’s economy, most business leaders wear many hats. Insurance isn’t something you think about every day — until there’s a claim. Whether it’s an injured employee, property damage, or a liability issue, that’s when your insurance partner truly matters.
The reality is that insurance rarely generates excitement unless you’ve chosen it as your career — and that’s exactly what we’ve done at MTM. Our long-tenured team is deeply committed not only to this industry, but to serving you — our policyholders — with expertise and care.
We also understand something important about our industry: when a claim is mishandled, news travels fast. Unfortunately, that can lead to the perception that all insurance companies are the same. At MTM, we work every day to prove that’s simply not true.
Here are just a few of the ways we stand apart:
A Dividend Program That Delivers
Over the past 12 years, MTM has returned more than $45 million in policyholder dividends — creating a dividend program unlike any other in the industry.
In-Office, Accessible Staff
Our team works together in the office every day to provide the highest level of service possible. While many competitors rely heavily on remote operations, we believe collaboration and communication matter — especially when you need timely answers and coordinated support.
Dedicated Loss Control for Every Policyholder
Every MTM policyholder receives access to a dedicated loss control consultant — regardless of premium size. We believe safety support shouldn’t be reserved for only the largest accounts.
Direct Access – No Call Centers
When you call MTM, you reach a real person. There’s no call center and no endless message loop. You have direct access to the people who know your account and can provide answers quickly.
Hands-On Claims Support
Our claims professionals don’t just process paperwork. They will come onsite to train your supervisors and staff on effective claims submission practices — helping control costs and improve outcomes from the start.
As a Michigan-only, monoline workers’ compensation carrier, MTM is proud to be ranked #11 in the state of Michigan, based on written premium, according to the CAOM Assessment Report. Our focused expertise allows us to stay nimble, responsive, and fully committed to serving Michigan employers.
At MTM, the difference isn’t just in what we offer — it’s in how we show up. We are your partner before, during, and after a claim. And that commitment is what truly sets us apart.
