Major Rating Factors:
Good overall profitability index (5.4 on a scale of 0 to 10) despite operating losses during 2025. Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (7.6) that can protect against increases in claims costs. Excellent overall results on stability tests (7.2). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Work comp (100.0%)
Licensed in:
All states except ND, WA, WY
Principal Investments:
Investment grade bonds (78.0%), common stock (10.4%), non investment grade bonds (5.6%), cash (0.6%), other (5.4%)
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
25402
Website
Largest Affiliates