CARRIER PARTNER
EMPLOYERS Workers’ Compensation Insurance
A mono-line carrier that does nothing but small-business workers’ comp — compared against our full lineup on every quote.
Founded
1913 roots
AM Best Rating
A- (Excellent)
Best For
Low-to-mid hazard small business
Pay-As-You-Go
Yes — EACCESS
About EMPLOYERS
EMPLOYERS traces its roots to 1913 as the Nevada state fund and today operates as a publicly traded specialty carrier with a single product line: workers’ compensation for small businesses. It writes nothing else — no auto, no property — which keeps its underwriting focused entirely on comp.
That mono-line focus means competitive filings in low- and mid-hazard classes, comp-specific claims adjusters, and programs designed around small-business realities like tight cash flow and seasonal payroll. EMPLOYERS is frequently among the sharpest quotes we see for offices, stores, restaurants, and service firms.
Why businesses choose EMPLOYERS
100% workers’ comp
A pure-play comp carrier — every underwriter, adjuster, and filing is dedicated to this one coverage.
Small-business pricing
Rate filings tuned for low- and mid-hazard small business, often beating multi-line carriers on clean accounts.
Comp-only claims teams
Adjusters who handle nothing but workplace injuries, with medical networks built for occupational care.
Precision pay-as-you-go
EMPLOYERS integrates with dozens of payroll platforms so premium tracks each payroll run automatically.
Billing and pay-as-you-go options
EMPLOYERS offers traditional installments plus one of the more mature pay-as-you-go programs in the market, integrating directly with major payroll providers so premium is calculated from every actual payroll run. Low or no down payment options are available for qualifying accounts.
Who EMPLOYERS fits best
EMPLOYERS fits low- and mid-hazard small businesses best — offices, restaurants, retail, professional services, and light trades with clean-to-moderate loss history. High-hazard construction, trucking, and large multi-state accounts usually place better with our national or specialty markets.
Is EMPLOYERS the right carrier for your business?
No single carrier wins every class code in every state. As an independent agency, we quote EMPLOYERS head-to-head against the rest of our carrier lineup — so you see who actually prices your payroll best.
EMPLOYERS workers’ comp FAQs
Is EMPLOYERS a good workers’ comp carrier?
EMPLOYERS is a specialty insurer rated A- (Excellent) by AM Best that writes only workers’ compensation, primarily for small businesses. Its focus produces competitive pricing in low- and mid-hazard classes and claims teams dedicated entirely to workplace injuries.
Does EMPLOYERS offer pay-as-you-go?
Yes — EMPLOYERS has payroll-integrated pay-as-you-go billing with many payroll platforms, so premium is drawn from actual payroll each cycle with little or no down payment for qualifying accounts.
How do I get an EMPLOYERS quote?
Through an appointed independent agency like Provident Financial Group. One application gets you EMPLOYERS plus our full carrier comparison — call 866-964-6660.
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