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Employers
Employers (EIG) investor relations material
Employers Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Feb, 2026
Executive summary
Addressed elevated frequency of California cumulative trauma (CT) claims with targeted pricing, underwriting changes, and rate increases, expecting reduced written premium in 2026.
Small commercial franchise maintained strong retention rates in 2025, supported by automation and ease of use investments.
Launched a new excess workers' compensation product, leveraging AI for rapid development and market entry, expected to drive diversification and customer expansion.
Continued disciplined underwriting, prudent risk management, and strategic investments, with A.M. Best reaffirming financial strength rating of A.
No additional reserve strengthening was required after a full actuarial review, with independent assessment confirming reserves were within reasonable estimates.
Financial highlights
Gross premiums written for Q4 2025 were $156.8M, down 11% year-over-year; full-year 2025 gross premiums written were $756.1M, down from $776.3M.
Losses and LAE increased 18.7% to $134.4M in Q4, with the full-year loss and LAE ratio rising to 76.4% from 60.9% year-over-year.
Underwriting expenses decreased 10% to $39.8M in Q4; expense ratio improved to 21.7% for the year.
Net investment income rose 17.6% to $31.4M in Q4 and 9% to $116.7M for the year.
Net income for 2025 was $10.8M, down from $118.6M in 2024; adjusted net income was $14.5M in Q4 and $21.8M for the year.
Net realized and unrealized investment losses were $20.4M for the year and $49.7M in Q4.
Outlook and guidance
Expect reduced written premium in 2026 due to California-specific underwriting actions.
Anticipate continued improvement in expense ratio, driven by AI initiatives and operational efficiencies.
New excess workers' compensation product expected to be a meaningful revenue driver, with first business written effective July 1.
Management expects recent underwriting and pricing actions to position for a return to historical profitability.
Share repurchases to return to normal levels in 2026, with opportunistic execution.
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Next Employers earnings date
Q1 20261 May, 2026
Employers
Next Employers earnings date
Q1 20261 May, 2026
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Frequently asked questions
Employers Holdings Inc is a provider of workers’ compensation insurance primarily focused on small businesses. The company markets its services through independent agents and brokers, offering coverage to employers across a variety of industries. It operates in select states with a focus on underwriting discipline and risk management. The company is headquartered in Reno, Nevada, and its shares are listed on the NYSE.
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