Employers Holdings, Inc.
employers.comWhat Do They Do?
Provides workers’ compensation insurance and related services to small and mid-sized businesses in lower-hazard industries, plus excess workers’ compensation coverage for self-insured enterprises.
10-K for FY2025, filed Feb 26, 2026
How Do They Make Money?
Customers pay premiums for workers’ compensation policies; the company earns them over the policy term as it provides coverage, with audits at the end adjusting the amount. It also invests premiums before claims and other expenses are paid, earning investment income.
10-K for FY2025, filed Feb 26, 2026Premiums written are recognized as revenues, net of any applicable underlying reinsurance coverage, and recognized as premiums earned, over…View ↗
In insurance and reinsurance operations, "float" arises when premiums are received before losses and other expenses are paid, an interval…View ↗
We are a Nevada holding company. Through our insurance subsidiaries, we provide workers' compensation insurance coverage to small and…View ↗
$858.7M
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10-K for FY2025, filed Feb 26, 2026
$858.7M ↗
Who Are Their Customers?
Small and mid-sized businesses buy coverage through insurance agents and brokers, trade groups, distribution partners and digital marketplaces; some buy directly through the Cerity online platform.
10-K for FY2025, filed Feb 26, 2026We market and sell our workers' compensation insurance products through: (i) local, regional, specialty and national insurance agents and…View ↗
We have developed and continue to add other important and emerging distribution channels for our products and services that serve as an…View ↗
Our digital distribution channel utilizes proprietary application programming interfaces (APIs) to submit, quote and bind applications for…View ↗
To address the changing buying behaviors of small and micro-businesses, we continue our commitment to our Cerity brand, which offers…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 1 cent of every revenue dollar as net income in FY2025 and turned 5 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 22% in 4 years, from $703.1M in FY2021 to $858.7M in FY2025, about 5% a year.
Added excess coverage
The older report describes workers’ compensation insurance for businesses; the latest adds excess workers’ compensation coverage for self-insured enterprises.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 26, 2026Employers Holdings, Inc. (EHI) is a holding company, which was incorporated in Nevada in 2005, with subsidiaries that are specialty…View ↗
Employers Holdings, Inc. (EHI) is a holding company, which was incorporated in Nevada in 2005, with subsidiaries that are specialty…View ↗
Broader underwriting appetite The older report describes a focus on select small businesses in low-to-medium hazard industries; the latest says it has broadened underwriting into additional industries, including home healthcare and artisan contracting.
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