Major Rating Factors:
Fair profitability index (4.8 on a scale of 0 to 10) with operating losses during 2025. Good long-term capitalization index (5.8) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Good liquidity (5.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Ample reserve history (7.7) that can protect against increases in claims costs. Excellent overall results on stability tests (7.2). Stability strengths include good operational trends, good risk adjusted capital for prior years and excellent risk diversification.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
Principal Lines of Business:
Work comp (100.0%)
Licensed in:
All states except ND, OH, WA, WY
Principal Investments:
Investment grade bonds (79.5%), non investment grade bonds (5.8%), common stock (3.7%), cash (0.7%), other (10.2%)
Corporate Info
Group Affiliation
Employers Holdings Inc
Investment Rating
Company Address
5340 Kietzke Lane
Reno, NV 89511
Reno, NV 89511
Phone Number
(775) 327-2700
NAIC Number
10346
Website
Largest Affiliates