RENO, Nev., Nov. 10, 2026 (GLOBE NEWSWIRE) -- EMPLOYERS (NYSE: EIG), America’s Workers’ Comp Specialist®, today announced it is expanding its excess workers’ compensation insurance program for authorized self-insured groups, a key sector in the estimated $1.5 billion excess workers’ compensation market. The program helps to give group funds and administrators excess protection against large losses, along with claims analytics and risk services which could improve the fund’s results.
Data visibility is vital to helping self-insured groups improve safety and reduce claims. EMPLOYERS Excess Workers’ Compensation program pairs coverage with a risk intelligence platform enabling insureds to understand what preventative measures may be taken to help reduce their exposures. Tools include:
- Claims analytics at the group and member level that identify the claims, classes, and exposures driving severity, to help groups act earlier to mitigate loss development.
- Real-time claims visibility and reporting for trustees, administrators, and members, supplementing periodic loss runs with more current data.
- Industry benchmarking based on aggregated, de-identified data, that shows how the group and its members compare with peer organizations.
- Loss prevention and risk advisory services for member employers, plus information to support the group’s decision on program structure, retention levels, and risk financing.
“Self-insured groups depend on the results of every member, and these groups need more than simply excess capacity to protect the fund,” said Robby Swayze, EMPLOYERS’ Vice President of Excess Workers’ Compensation. “They need a carrier that helps them understand and manage what is driving their losses. Our specific and aggregate coverage helps to protect the group against severe claims and adverse years, while our analytics, benchmarking, and risk advisory services help trustees identify and act on the trends behind those losses, from the group level down to each individual member. For members with operations outside the group’s home state, our cross-border solution pairs the group’s excess program with EMPLOYERS’ guaranteed cost coverage, so those exposures don’t fall through the gap.”
Self-insured groups pool the workers’ compensation obligations of member employers, typically in the same industry or association, and are generally governed by a board of trustees or similar governing body. The fund for such groups retains risk up to a set level and relies on excess coverage for losses above it. Subject to applicable policy terms, EMPLOYERS’ Excess Workers’ Compensation program provides that protection through two types of coverage. Specific excess coverage reimburses the fund for a covered loss on an individual claim above the specific retention, while aggregate excess coverage applies when the fund’s total covered losses for a given policy period exceed the aggregate retention, up to the applicable limit.
The program is underwritten by Employers Assurance Company, rated A (Excellent) by A.M. Best Company. Excess Workers’ Compensation insurance from EMPLOYERS is currently available in select jurisdictions. Coverage is subject to underwriting and to the terms, conditions, limits, and exclusions of the policy issued. Risk services are available to eligible policyholders and are not a substitute for any actuarial, legal, or other professional advice. For details on the program, underwriting appetite, available jurisdictions, attachment points, and services, visit www.employers.com/excess-workers-compensation/.
About EMPLOYERS
Employers Holdings, Inc. (NYSE: EIG), is a holding company with subsidiaries that are specialty providers of workers’ compensation insurance, excess workers’ compensation, and related services (collectively “EMPLOYERS”) focused on small and mid-sized businesses engaged in lower hazard industries with its guaranteed cost product and self-insured enterprises with its excess workers’ compensation program. EMPLOYERS leverages over a century of experience to deliver comprehensive coverage solutions that meet the unique needs of its customers. Drawing from its long history and extensive knowledge, EMPLOYERS empowers businesses by protecting their most valuable asset – their employees – through exceptional claims management, loss control, and risk management services, to help businesses create safer work environments.
Excess workers’ compensation insurance is offered through Employers Assurance Company, rated A (Excellent) by the A.M. Best Company. Excess workers’ compensation coverage is not currently available in all jurisdictions. Go to www.employers.com/excess-workers-compensation/ for more information regarding this product offering. EMPLOYERS® and America’s Workers’ Comp Specialist® are registered trademarks of EIG Services, Inc., a subsidiary of Employers Holdings, Inc.
Media Contact:
Kimberly Eye
Vice President, Marketing & Communications
772-214-6153 | keye@employers.com
Financial/Investor Relations Contact:
Michael Pedraja
EVP, Chief Financial Officer
775-327-2706 | mpedraja@employers.com
