Accessibility StatementSkip Navigation New PSAs for Skills-First Hiring campaign highlight the competitive advantage of hiring STARs - workers Skilled Through Alternative Routes NEW YORK, Nov. 5, 2025 /PRNewswire/ -- Building on the measurable success of the first "Tear the Paper Ceiling" launch in 2022, the Ad Council and Opportunity@Work today unveiled new public service advertisements (PSAs), titled "Story Unfold," encouraging employers to embrace skills-first hiring practices and access overlooked ...

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q 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 incorpor ...

Financial Data and Key Metrics Changes - Gross premiums written increased by 1.4% to $183.9 million compared to $181.2 million in the prior year, primarily due to renewal business premium growth [16] - Net premiums earned rose by 3% to $192.1 million from $186.6 million in the previous year, driven by larger levels of 2024 written premium earning in 2025 [16] - Losses and loss adjustment expenses (LAE) were $186.6 million, significantly higher than $117.7 million a year ago, reflecting increased reserves due to cumulative trauma claims [17] - The adjusted net loss was $25.5 million compared to adjusted net income of $20.2 million a year ago [20] - The book value per share increased by 6.1% to $49.70, while adjusted book value per share rose by 5.5% to $51.31 over the last 12 months [22][23] Business Line Data and Key Metrics Changes - The company increased its accident year 2025 loss and LAE ratio from 69% to 72% due to rising cumulative trauma claims in California [6] - The underwriting expense ratio decreased to 20.6% from 23.5% year-over-year, attributed to lower compensation-related expenses and higher net premiums earned [18] - The commission expense ratio improved to 12% from 13.8%, primarily due to a higher proportion of renewal business [18] Market Data and Key Metrics Changes - The company reported a 4% growth in policies in force, indicating strong retention in the small commercial business despite competitive pressures [13] - The frequency of cumulative trauma claims in California has increased, impacting reserves, while frequency in other states continues to decline [6][10] Company Strategy and Development Direction - The company is focusing on underwriting margin over growth in a soft workers' compensation market, implementing targeted pricing actions and enhanced risk selection [12] - A new excess workers' compensation offering is being developed, with plans to start accepting submissions in early 2026 [14] - The company is pursuing legislative reforms in California to align cumulative trauma claims with other states [11][26] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence that the adjustments made to reserves adequately address recent trends and emphasized that these are not indicative of broad deterioration in the business [7][12] - The company is committed to providing best-in-class care to injured workers while managing the impact of cumulative trauma claims [11] - Future growth is expected to be steady, with a focus on maintaining underwriting margins rather than aggressive expansion [33] Other Important Information - The company announced a $125 million debt-funded recapitalization plan and increased its share repurchase authorization to $250 million [15][21] - Net investment income for the quarter was $26.1 million, slightly lower than the previous year, with realized and unrealized gains on investments increasing to $21.2 million [14][19] Q&A Session Summary Question: Can you elaborate on the targeted litigation strategies? - The company is using analytics to manage cumulative trauma claims and has established aggressive targets to reduce litigation costs [25] Question: How predictable are the loss trends going into 2026? - Management believes the trend is stabilizing but acknowledges the difficulty in predicting future outcomes [29] Question: Will there be a traditional fourth-quarter reserve review? - Yes, a full fourth-quarter review will be conducted, including an external actuarial review [36] Question: What commentary have you received from rating agencies regarding cumulative trauma claims? - Rating agencies have been supportive of the company's operational and capital actions [38] Question: How are medical cost trends evolving? - Overall claim severity values have held steady, with no significant concerns regarding medical costs [39] Question: Can you discuss the new excess workers' compensation product? - The new product is part of the company's diversification strategy, leveraging existing expertise and systems [41]

分组1 - Employers Holdings (EIG) reported a quarterly loss of $1.1 per share, significantly missing the Zacks Consensus Estimate of $0.61, and down from earnings of $0.81 per share a year ago, representing an earnings surprise of -280.33% [1] - The company posted revenues of $239.3 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 11.36%, and up from $224 million in the same quarter last year [2] - Employers Holdings shares have declined approximately 21.4% year-to-date, contrasting with the S&P 500's gain of 17.2% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.61 on revenues of $215.71 million, and for the current fiscal year, it is $2.55 on revenues of $879.5 million [7] - The Zacks Industry Rank for Insurance - Accident and Health is currently in the bottom 33% of over 250 Zacks industries, indicating potential challenges for stocks in this sector [8] 分组3 - The estimate revisions trend for Employers Holdings was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold), suggesting the stock is expected to perform in line with the market in the near future [6]

Financial Performance - Gross premiums written for Q3 2025 were $183.9 million, a 1% increase from $181.2 million in Q3 2024[4] - Net premiums earned increased by 3% to $192.1 million in Q3 2025, compared to $186.6 million in Q3 2024[4] - Net (loss) income for Q3 2025 was $(8.3) million, a decrease of 127% from $30.3 million in Q3 2024[4] - Total revenues for the nine months ended September 30, 2025, were $688.2 million, up from $664.1 million in the same period of 2024[10] - Adjusted net (loss) income for Q3 2025 was $(25.5) million, a 226% decrease from $20.2 million in Q3 2024[10] - For the three months ended September 30, 2025, the net loss was $8.3 million compared to a net income of $30.3 million for the same period in 2024, representing a significant decline[13] - Adjusted net loss for the nine months ended September 30, 2025, was $25.5 million, compared to an adjusted net income of $20.2 million for the same period in 2024[13] - The net loss for the three months ended September 30, 2025, was $(8.3) million, compared to a net income of $30.3 million for the same period in 2024[24] - Adjusted net loss income for the three months ended September 30, 2025, was $(25.5) million, while for the same period in 2024, it was $20.2 million[24] Underwriting Performance - The combined ratio excluding LPT for Q3 2025 was 130.4%, compared to 101.2% in Q3 2024[4] - The GAAP combined ratio for the three months ended September 30, 2025, was 129.7%, compared to 100.4% in 2024, indicating a deterioration in underwriting performance[15] - Losses and LAE incurred for the three months ended September 30, 2025, were $186.6 million, significantly higher than $117.7 million in the same period of 2024, marking a 58.6% increase[15] Shareholder Metrics - Book value per share increased to $45.76 in Q3 2025, up 4% from $44.20 in Q3 2024[4] - Cash dividends declared per share increased by 7% to $0.32 in Q3 2025, compared to $0.30 in Q3 2024[4] - Stockholders' equity decreased by 5% to $1,039.2 million as of September 30, 2025, from $1,093.4 million at the end of 2024[7] - Stockholders' equity at the end of the period was $1,039.2 million, down from $1,093.4 million at the end of September 2024, reflecting a decrease of 4.9%[13] - The average stockholders' equity for the three months ended September 30, 2025, was $1,061.2 million, slightly up from $1,058.2 million in 2024[13] - The return on stockholders' equity for the three months ended September 30, 2025, was (0.8)%, a decline from 2.9% in the same period of 2024[13] - Basic earnings per share for the three months ended September 30, 2025, was $(0.36), compared to $1.22 for the same period in 2024[24] - Book value per share as of September 30, 2025, was $45.76, reflecting a year-over-year increase of 6.3%[21] - Adjusted book value per share as of September 30, 2025, was $51.31, with a year-over-year increase of 5.5%[21] - The average common shares outstanding (basic) for the three months ended September 30, 2025, was 23,247,221, down from 24,858,159 in 2024[24] Asset and Investment Overview - Total assets as of September 30, 2025, were $3,526.4 million, a decrease of 3% from $3,617.3 million at the end of 2024[7] - Total investments and cash as of September 30, 2025, amounted to $2,546.7 million, an increase from $2,532.4 million at the end of December 2024[19] - The net unpaid losses and LAE at the end of the period were $1,429.8 million, compared to $1,423.4 million at the end of September 2024, indicating a slight increase[17] - Stockholders' equity as of September 30, 2025, was $1,039.2 million, down from $1,083.1 million as of June 30, 2025, representing a decrease of 4.1%[21] LPT Agreement Impact - The impact of the LPT Agreement on net income for the three months ended September 30, 2025, was $(1.3) million, compared to $(1.5) million in 2024[24] - The deferred reinsurance gain reflects the unamortized gain from the LPT Agreement, which is being amortized using the recovery method[27] - Management believes that non-GAAP measures excluding the effects of the LPT Agreement provide a meaningful understanding of the company's ongoing underwriting performance[26]

Company to Host Conference Call on Friday, October 31, 2025, at 11:00 a.m. Eastern Daylight TimeRENO, Nev., Oct. 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 third quarter ended September 30, 2025. Financial Highlights:(All comparisons ...

Core Insights - Heald has appointed Dr. Sunita Mishra, former Chief Medical Officer of Amazon Health Services, to its Advisory Board to guide its expansion into employer, provider, and health system markets [1][2] Company Overview - Heald is a human-led, tech-enabled health platform focused on reversing Type 2 Diabetes by addressing root causes such as nutrition, movement, sleep, and stress [9] - The company connects individuals with smart devices and a multidisciplinary clinical team to provide real-time insights and personalized coaching [9] Market Context - Over 38 million Americans (14.7% of U.S. adults) have Diabetes, with nearly 100 million adults having prediabetes, leading to over $400 billion in annual healthcare costs [6] - Employers face a projected $90 billion annual burden from Diabetes-related absenteeism and drug spending, with GLP-1 drug costs approaching $12,000 per member per year [6] Strategic Initiatives - Heald is expanding its reach through an outcomes-based pricing model, ensuring organizations pay only for verified health improvements [4] - The company’s approach integrates continuous glucose monitoring, smart devices, and a dedicated clinical team to empower participants in making sustainable health changes [7] Performance Metrics - Participants in Heald's program have achieved an average weight reduction of 15 lbs and a 3% decrease in A1C levels, with nearly 98% reducing medication usage [3]

Core Insights - Robert Half has been recognized by Forbes as one of the World's Best Employers for 2025, highlighting its commitment to providing an outstanding workplace environment and exceptional opportunities for employees globally [1][2]. Company Recognition - The Forbes' World's Best Employers list is based on an independent survey of over 300,000 employees across 50 countries, focusing on satisfaction, culture, and reputation, with emphasis on well-being, inclusivity, career growth, and work-life balance [2]. - Robert Half's CEO, M. Keith Waddell, emphasized the company's dedication to creating an environment where employees can thrive both professionally and personally [3]. Employee Experience - Robert Half invests in programs and initiatives that promote connection, career development, and well-being, contributing to its recognition as a top employer [3]. - The company has also been acknowledged as one of Fortune's Most Admired Companies and one of Forbes' Best Employers for Company Culture [3][4]. Company Overview - Robert Half is the world's first and largest specialized talent solutions and business consulting firm, providing contract talent and permanent placement solutions across various fields including finance, technology, marketing, legal, and customer support [4]. - The company is the parent of Protiviti, a global consulting firm that offers internal audit, risk, and business consulting solutions [4].

Core Insights - Employers Holdings (NYSE: EIG) is positioned in the workers' compensation insurance sector, with its underwriting history performing well compared to most peers, although its returns on equity have not been as strong [1] Group 1: Company Performance - Employers Holdings has a solid underwriting history in the workers' compensation insurance space, indicating a competitive position within the industry [1] - Despite the favorable underwriting history, the company has faced challenges with returns on equity, suggesting potential areas for improvement [1]

Core Insights - Cognizant has been recognized as one of the World's Best Employers by Forbes for the third consecutive year, highlighting its commitment to employee satisfaction and organizational excellence [1][3]. Group 1: Recognition and Awards - The recognition as a top employer is based on an independent survey involving over 300,000 participants from 50 countries, who rated their willingness to recommend their employer and evaluated various aspects of employment [2]. - Cognizant's Chief People Officer emphasized that this award reflects the dedication of its global team and the company's focus on supporting employees and delivering value to clients [3]. Group 2: Company Overview - Cognizant (Nasdaq: CTSH) specializes in modernizing technology, reimagining processes, and transforming experiences for clients in a rapidly changing environment [5]. - The company has received multiple awards recently, including recognition as one of America's Greatest Workplaces and Most Innovative Companies [6].