UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 001-33245 EMPLOYERS HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation ...

Employers Holdings (EIG) Q2 2025 Earnings Call July 31, 2025 11:00 AM ET Speaker0Good day and thank you for standing by. Welcome to the Second Quarter twenty twenty five Employers Holdings Inc. Earnings Conference Call. At this time, all participants are in listen only mode. After the speakers' presentation, there'll be a question and answer session.To ask a question during this session, you'll need to press 11 on your telephone. You will then hear an automated message advising your hand is raised. To withd ...

E m p l o y e r s H o l d i n g s , I n c . S e c o n d Q u a r t e r 2 0 2 5 F i n a n c i a l S up p l e m e n t E x h i b i t 9 9 . 2 EMPLOYERS HOLDINGS, INC. Table of Contents Page | 1 | Consolidated Financial Highlights | | --- | --- | | 2 | Summary Consolidated Balance Sheets | | 3 | Summary Consolidated Income Statements | | 4 | Return on Equity | | 5 | Combined Ratios | | 6 | Roll-forward of Unpaid Losses and LAE | | 7 | Consolidated Investment Portfolio | | 8 | Book Value Per Share | | 9 | Earnings ...

Company to Host Conference Call on Thursday, July 31, 2025, at 11:00 a.m. Eastern Daylight TimeRENO, Nev., July 30, 2025 (GLOBE NEWSWIRE) -- Employers Holdings, Inc. (the “Company”) (NYSE:EIG), a holding company with subsidiaries that are specialty providers of workers’ compensation insurance and services focused on small and mid-sized businesses engaged in low-to-medium hazard industries, today reported financial results for its second quarter ended June 30, 2025. Financial Highlights: (All comparisons vs. ...

Employers Holdings (EIG) is expected to deliver a year-over-year decline in earnings on lower revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 30. ...

Core Insights - Employers are increasingly prioritizing comprehensive wellbeing strategies to address macro uncertainty and rising costs, focusing on physical, emotional, career, and financial health [1][2][10] Benefits Trends - 31% of employers enhanced medical benefits to support recruitment and retention, while only 12% focused on improving pharmacy benefits [4] - Adjustments to medical (31%) and prescription drug (26%) plan designs are being made to manage expenses effectively, with 29% switching plan carriers and 32% carving out pharmacy benefits to a pharmacy benefit manager [5] - Employers are customizing benefit packages with specialized coverages, including hearing aids (59%) and autism treatments (44%) [6] Reproductive Health Benefits - 48% of employers cover infertility services, with increases in coverage for fertility medications (84%), in vitro fertilization (71%), and other related services [7] Voluntary Benefits - 67% of employers view voluntary offerings as essential for a comprehensive financial wellbeing strategy, providing support in areas where traditional benefits may fall short [8] - Financial-focused programs like identity theft protection (39%) and legal plans (38%) help employees manage financial risks, contributing to reduced stress and increased productivity [9] Report Overview - The 2025 U.S. Benefits Benchmarks Report is based on responses from over 4,000 organizations and aims to guide employers in optimizing employee wellbeing through holistic initiatives [3][12]

Company Overview - Employers Holdings, Inc. (NYSE: EIG) is a holding company specializing in workers' compensation insurance and services, primarily targeting small and mid-sized businesses in low-to-medium hazard industries [4] - The company has over a century of experience in providing comprehensive coverage solutions, focusing on protecting employees through exceptional claims management, loss control, and risk management services [4] Upcoming Financial Results - The company will release its second quarter 2025 financial results after market close on July 30, 2025, with materials available on its website [1] - A conference call and webcast to review these financial results will take place on July 31, 2025, at 11:00 a.m. EDT / 8:00 a.m. PDT [2] Digital Solutions - Employers also offers Cerity®, a digital-first platform providing direct-to-consumer workers' compensation insurance solutions with fast and affordable coverage options [5] Operational Scope - Employers operates throughout the United States, except for four states served exclusively by state funds, with insurance offered through various subsidiaries rated A (Excellent) by AM Best [6]

Core Insights - The global Net Employment Outlook (NEO) for Q3 2025 stands at +24%, indicating stable hiring intentions despite trade uncertainties [2][4][8] - Companies investing in technology, AI, and automation show the most optimistic hiring plans, highlighting a connection between innovation and workforce confidence [1][4][8] Global Hiring Trends - 40% of employers plan to increase hiring, 42% will maintain current staff levels, 16% anticipate cuts, and 2% are uncertain about their hiring plans [1][8] - Asia Pacific leads with a hiring outlook of 29%, followed by the Americas at 27%, and Europe and the Middle East at 19% [6][8][10] Impact of Trade Uncertainty - 89% of companies report that trade uncertainty has influenced their hiring decisions, with many still planning for steady hiring in Q3 [3][8] - The trade situation has caused some companies to pause or slow their hiring plans, but overall hiring outlooks have stabilized [4][8] Sector-Specific Insights - The Information Technology sector has the strongest hiring outlook at 36%, followed by Financials & Real Estate at 28%, and Industrials & Materials at 26% [8] - Companies heavily investing in technology report more optimistic hiring plans compared to those not planning such investments [8] Regional Highlights - The United Arab Emirates tops global hiring intentions at 48%, followed by India at 42% and Costa Rica at 41% [9][17] - Argentina has the weakest global outlook at 3%, while countries like Israel and Sweden show significant year-over-year improvements [9][17]

Core Insights - The 2025 Healthcare Literacy Report by Optavise emphasizes the importance of personalized education in enhancing employees' understanding of their workplace benefits [1][2][8] Employee Satisfaction and Understanding - 74% of employees express high satisfaction with their health plans, an increase from 69% the previous year, while 75% report understanding their plans, up from 68% [2] - Employees increasingly seek assistance from HR teams (40%) and third-party experts (18%), rising from 27% and 15% respectively [3] Access and Confidence - 87% of satisfied employees find it easy to access their benefits, while 58% of those who struggle with access lack confidence in understanding their health plans [4] - Among self-educating employees, only 65% feel confident in understanding their health plan, compared to 82% who receive guidance from HR or experts [3] Cost Awareness - 55% of employees have avoided doctor visits due to cost concerns, with 44% frequently comparing treatment costs and 45% comparing prescription drug prices [5][6] Engagement in Wellness Programs - 86% of employees participate in wellness programs when offered, with high interest in healthy eating (64%), fitness tracking (61%), financial wellness (52%), and mental health counseling (51%) [6] - Personalization in wellness programs is crucial, with 96% of employees valuing tailored benefit options [7] Gaps in Understanding - One in four employees still lacks confidence in understanding their health plans, with key terms like "coinsurance" causing confusion for 17% of respondents [8] - Only half of employees utilize personalized guidance sessions, but those who do find them the most helpful resource [9][10] Onboarding and Education - Benefits education significantly influences job change decisions, with 74% of employees considering benefits programs as a key factor [11] - New employees prefer one-on-one conversations with benefits experts (42%) and enrollment support (36%), with 92% finding presentations helpful during onboarding [12] Conclusion - Proper training, personalization, incentives, and support are essential for employee satisfaction with workplace benefits, highlighting the need for employers to enhance their benefit offerings [13]

Core Viewpoint - Employers Holdings, Inc. (EIG) reported better-than-expected first-quarter 2025 results, with a 4.2% increase in shares following the earnings announcement, driven by strong retention in renewal business and improved investment returns, although offset by a slight decline in net premiums and increased losses [1][2]. Financial Performance - Adjusted earnings per share (EPS) for Q1 2025 were 87 cents, exceeding the Zacks Consensus Estimate by 26.1% and reflecting a year-over-year increase of 29.9% [2]. - Operating revenues totaled $202.6 million, down 9.2% year over year, missing the consensus estimate by 6.6% [2]. - Gross premiums written rose 1% year over year to $212.1 million, while net premiums written also increased by 1% to $210.3 million [3]. - Net premiums earned decreased by 1% year over year to $183 million, falling short of the Zacks Consensus Estimate of $192.4 million [3]. - Net investment income grew 20% year over year to $32.1 million, surpassing the consensus mark of $27.3 million [4]. - Total expenses decreased by 0.6% year over year to $186.7 million, but losses and loss adjustment expenses increased by 4% due to higher current accident year losses [4]. Operational Metrics - Pre-tax income was reported at $15.9 million, a decrease of 55% year over year [5]. - The number of policies in force reached a record level of 133,121, marking a 4% increase year over year [5]. - The GAAP combined ratio was 102%, which deteriorated by 40 basis points year over year but was better than the Zacks Consensus Estimate of 102.7% [6]. Capital Deployment - Employers Holdings repurchased shares worth $20.2 million in Q1 2025 and an additional $8.2 million in April, with a new $125 million share repurchase program authorized on April 30, 2025 [8]. - Dividends paid in Q1 2025 amounted to $7.5 million, with a quarterly dividend of 32 cents per share announced for Q2 2025, representing a 7% increase [9]. Balance Sheet Highlights - As of March 31, 2025, the company had investments, cash, and cash equivalents of $2.5 billion, a 0.2% increase from the end of 2024 [6]. - Total assets rose to $3.6 billion from $3.5 billion at the end of 2024 [7]. - Total stockholders' equity increased by 0.7% to $1.1 billion, with adjusted book value per share rising to $50.75 from $50.71 at the end of 2024 [7].