Employers Holdings, Inc. (EIG)

In Q3 2025, Employers Holdings, Inc. reported an adjusted net loss of $25.5 million, missing the forecasted EPS, which led to a stock price drop. The core workers' compensation business faced headwinds due to a surge in California cumulative trauma claims. Gross written premiums increased by 1.4% to $183.9 million, and net premiums earned grew by 3%. The company announced a $125 million debt-funded recapitalization plan and boosted its share repurchase authorization to $250 million. In Q2 2025, the company reported mixed financial performance, with increases in net premiums earned and net investment income, but a slight decline in gross written premium. In Q1 2025, net premium earned was relatively flat compared to Q1 2024, while net investment income increased by 20%. The company increased its quarterly dividend and authorized a new share repurchase of $125 million. In January 2025, AM Best upgraded the Financial Strength Rating (FSR) of EIG's insurance companies to A (Excellent) and their Long-Term Issuer Credit Ratings (Long-Term ICR) to "a" (Excellent).

The provided search results do not contain explicit information about the demand seasonality for Employers Holdings, Inc.'s workers' compensation insurance products and services.

Employers Holdings, Inc. (EIG) is a holding company specializing in workers' compensation insurance and services for small to medium-sized businesses in low-to-medium hazard industries. The company operates in the property and casualty insurance sector, offering workers' compensation insurance through various distribution channels, including independent agents, payroll providers, and a direct-to-customer digital company called Cerity.

Employers Holdings, Inc. operates exclusively within the United States, serving clients in 46 states and the District of Columbia, with over half of its business generated in California. The company's acquisition of American Compensation Insurance Company (AmCOMP) expanded its presence beyond Nevada and California into the Southeast and Midwest. Its headquarters are located in Reno, Nevada.

Employers Holdings, Inc. experienced a positive development in its brand reputation with the upgrade of its credit ratings by AM Best in January 2025, underscoring the company's robust financial health and effective risk management. Newsweek also recognized EMPLOYERS on its national and global "Most Trustworthy Companies" lists. However, significant underwriting losses reported in Q3 2025, driven by an unexpected surge in California cumulative trauma claims, could potentially impact its reputation for consistent profitability.

Employers Holdings, Inc. (EIG) is owned by a mix of institutional, retail, and individual investors. Approximately 82.76% of the company's stock is held by institutional shareholders, including Blackrock Inc., Vanguard Group Inc., Dimensional Fund Advisors LP, LSV Asset Management, and State Street Corp. Employers Holdings insiders own about 9.54% of the company, with Douglas D. Dirks being the largest individual shareholder.