INSURANCE CARRIER
Employers Workers Comp
Employers (America's Employer brand) is a workers compensation specialist serving small businesses across the US.
Commercial Lines
- File a claim 888-682-6671 · 24/7 phone
- Online Account & claims portal
- After hoursEmployers claims: 1-888-682-6671 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Employers (America's Employer brand) is a workers compensation specialist serving small businesses across the US. They have written small business workers comp for decades, covering restaurant, retail, and professional services classes. Loss-control resources and return-to-work programs are available for qualifying industries.
Strengths
What This Carrier Does Well
Deep specialty expertise in small business workers comp, with restaurant and retail focus
Loss-control resources and return-to-work programs for small businesses
Established claims infrastructure built for complex workers comp claims
Limitations to Know
Where They Fall Short
Workers comp only; no business package, commercial auto, or general liability
Employers Holdings has higher exposure concentration in small business than diversified carriers, which can create volatility in pricing and appetite during hard market cycles
Employers Holdings has higher exposure concentration in small business than diversified carriers, which can create volatility in pricing and appetite during hard market cycles
Right Fit
Who They Are Best For
Best Fit For
Small business owners in professional services, retail, and office-based industries that need workers compensation coverage with straightforward underwriting and fast quoting.
Not a Good Fit For
Construction, manufacturing, or higher-hazard trade businesses. Employers' appetite is focused on lower-hazard commercial classes and they decline most construction and heavy industry risks.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines
- Coverage Types
- Workers compensation (small business specialty)
- Carrier's Licensed States
- All 50 states
- Commercial Lines States
- All 50 states
- BOP Appetite
- Not a business package carrier; workers compensation specialist
- Industry Classes
- Restaurants, retail, professional services, small contractors, healthcare-adjacent, hospitality, fitness, childcare
Pricing & Claims
What to Expect
Best Pricing For
Office-based and low-hazard small business workers comp. Particularly competitive for restaurants, retail, professional services, and white-collar industries with very small accounts.
Pricing Context
Employers prices workers comp competitively for office-based and low-hazard small businesses. Pricing is often better than standard market options for very small accounts in safe, white-collar industries, and you can request a quote through us to compare.
Claims Experience
Established workers comp claims infrastructure with dedicated adjusters. Handles complex workers comp claims through dedicated adjusters, with return-to-work and medical management programs.
Admitted Status: Admitted carrier for workers compensation
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts