EMPLOYERS Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our EMPLOYERS Insurance Company Score
3 Stars
We award EMPLOYERS Insurance Company a final rating of three out of five stars. The insurance company has been around for more than a century now, which is noteworthy within the industry. EMPLOYERS has a high rating by AM Best, but is not rated or accredited by the Better Business Bureau (BBB). The insurance company provides 24/7 phone claims reporting and customer service.
EMPLOYERS was founded in 1913 in Nevada under the name “Nevada Insurance Commission” with a mission to bring affordable coverage for medical treatment and compensation of injured workers to the public after workers' comp was first legalized in the state. Today, EMPLOYERS still focuses its efforts on providing workers' comp solutions for employees in need. Coverage is offered in 46 states across the country.
Overall, we say go ahead and look into EMPLOYERS with the help of a local independent insurance agent if you live in a state where coverage is offered. You just might want to survey some other options, too.
EMPLOYERS Insurance Company Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
EMPLOYERS Insurance Products by Type
EMPLOYERS is a specialized insurance company with a focus on coverage for injured workers. The carrier's only insurance product offered is:
Business Insurance:
- Workers' compensation insurance
EMPLOYERS Workers' Compensation Insurance Average Prices
EMPLOYERS does not make its average workers' comp insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of workers' comp insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a workers' comp insurance policy might cost you by using our workers' compensation insurance calculator.
What Discounts Does EMPLOYERS Offer?
While EMPLOYERS does not make information about its specific discounts readily available, there are several standard discounts commonly offered by many workers' comp insurance companies today. These discounts include:
- Equipment safeguards discount: Offered to workers' comp customers who protect employees from dangerous equipment in the workplace by covering it with safeguards when not in use.
- Hygiene procedures discount: Offered to workers' comp customers who enforce strict hygiene protocols in the workplace.
- No hazardous materials discount: Offered to workers' comp customers whose employees do not have to interact with hazardous materials on the jobsite, such as chemicals.
- Safe premises discount: Offered to workers' comp customers who provide a safe working environment for their employees.
- Formal safety plan discount: Offered to workers' comp customers who enforce a mandatory safety plan in their workplace.
An independent insurance agent can provide more exact discount information and premium quotes for coverage through EMPLOYERS. When it comes to coverage, independent insurance agents work hard to help get you the best value for your money.
EMPLOYERS Customer Service
EMPLOYERS offers 24/7 customer service for its policyholders. The carrier also provides the following customer service options:
- Phone
- Fax
- Online bill pay and claims reporting
- The customer service phone department is always open
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
EMPLOYERS Insurance Company FAQs
EMPLOYERS offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. EMPLOYERS does encourage customers to file claims within 24 hours of an incident.
EMPLOYERS allows customers to file claims over the phone 24/7 or through email or fax. The carrier's hotline for customer service inquiries is also available 24/7. EMPLOYERS' social media presence extends across Facebook, X, YouTube, and LinkedIn, which makes it a bit more accessible to customers.
EMPLOYERS offers a couple of options for claims reporting. However, the insurance company does not detail its claims process beyond how to file and the information required to file. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or email, or get in touch with their independent insurance agent.
The carrier does not provide much information about its claims process on its official website, or detail a claims response time frame. EMPLOYERS also does not list much information about its coverage specifics. Online bill pay is available, as is 24/7 claims reporting and customer service via phone, which are nice, modern customer service features. Overall, EMPLOYERS provides a fairly user-friendly experience.
EMPLOYERS focuses its efforts on workers' comp insurance. However, the official website does not provide much information about their coverage. EMPLOYERS’ official website only states that its coverage provides the following features:
- Safety training programs
- Loss control programs
- Financial stability and dependability
- Affordable rates
EMPLOYERS also offers other risk management services for small businesses, and boasts having highly affordable coverage. The carrier requires prospective customers to request a quote before offering further details about its coverage. Your independent insurance agent can help you find out much more information about the insurance company’s workers' comp coverage and its other services offered.
EMPLOYERS has been around for more than a century now. The carrier has been highly rated by AM Best. However, the carrier is not rated or accredited by the BBB. Only one type of coverage is available.
EMPLOYERS' insurance products may be right for business owners or professionals seeking workers' comp coverage. However, coverage is not available in Ohio, Wyoming, North Dakota, or Washington.
https://www.employers.com/employers-advantage/about-employers/
https://news.ambest.com/pr/PressContent.aspx?refnum=35612&altsrc=2