EMPLOYERS Workers' Compensation Insurance

EMPLOYERS traces its history to 1913, when it began as a Nevada state workers' compensation fund created to serve employers in that state. It was later privatized, and its holding company, Employers Holdings, Inc., completed its initial public offering in 2007 and now trades on the New York Stock Exchange under the symbol EIG. The company is headquartered in Reno, Nevada, with additional offices supporting its national workers' comp business. On January 8, 2025, AM Best upgraded the Financial Strength Rating of Employers Holdings' operating subsidiaries to A (Excellent) from A-, along with an upgrade of the Long-Term Issuer Credit Rating to bbb (Good) at the holding-company level, citing improved balance-sheet strength and operating performance.

Unlike diversified multi-line insurers, EMPLOYERS focuses exclusively on workers' compensation for small businesses, which the company describes as its core specialty dating back to its founding as a state fund. This single-line focus is paired with online policy servicing, payroll-based billing options, and safety resources aimed specifically at the small-employer market rather than large corporate accounts. The company's history as a state fund also means it has decades of claims and underwriting data concentrated in the workers' comp line alone.

EMPLOYERS' workers' compensation program is distributed through independent agents rather than sold directly to the public. A business can request an EMPLOYERS quote alongside other carriers through a licensed agency, which can also explain how a single-line specialist like EMPLOYERS compares with a diversified commercial carrier for a given account, industry, payroll profile, and claims history.