First Quarter 2022 Investor Presentation

U.S. Regulated Equity Markets (Alternative Disclosure) via PUBT

INVESTOR PRESENTATION

MAY 2022

Forward-Looking Statements

In this presentation, the Company and its management discuss and make statements based on currently available information regarding their intentions, beliefs, current expectations, and projections of, among other things, the Company's future performance, including the effects of the Coronavirus (COVID-19) pandemic, business growth, retention rates, loss costs, claim trends and the impact of key business initiatives, future technologies and planned investments. Certain of these statements may constitute"forward-looking"statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts and are often identified by words such as"may," "will," "could," "would," "should," "expect," "plan," "anticipate," "target," "project," "intend," "believe," "estimate," "predict," "potential," "pro forma," "seek," "likely,"or"continue,"or other comparable terminology and their negatives. The Company and itsmanagement caution investors that such forward-looking statements are not guarantees of future performance. Risks and uncertainties are inherent intheCompany'sfuture performance. Factors that could cause the Company's actual results to differ materially from those indicated by such forward-looking statements include, among other things, those discussed or identified from time to time in theCompany'spublic filings with the U.S. Securities and Exchange Commission (the "SEC"), including the risks detailed in the Company's Quarterly Reports on Form 10-Q and the Company's Annual Reports on Form 10-K. Except as required by applicable securities laws, the Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

Filings with the SEC

TheCompany'sfilings with the SEC and its quarterly investor presentations can be accessed through the"Investors"link on the Company's website,www.employers.com. The Company's filings with the SEC can also be accessed through the SEC's EDGAR Database at www.sec.gov (EDGAR CIK No. 0001379041).

EMPLOYERS® andAmerica'ssmall business insurance specialist® are registered trademarks of EIG Services, Inc. Employers Holdings, Inc. is a holding company with subsidiaries that are specialty providers of workers' compensation insurance and services focused on select, small businesses engaged in low-to-medium hazard industries. The Company operates throughout the United States, with the exception of four states that are served exclusively by their state funds. Insurance is offered through Employers Insurance Company of Nevada, Employers Compensation Insurance Company, Employers Preferred Insurance Company, Employers Assurance Company and Cerity Insurance Company, all rated A- (Excellent) by the A.M. Best Company. Not all companies do business in all jurisdictions. Seewww.employers.comandwww.cerity.comfor coverage availability.

EMPLOYERS®

Overview

Who We Are

EMPLOYERS®is a mono-line writer of workers' compensation (WC) insurancefocused onlow-to-medium hazard risksmall businesses.

MARKETS AND DISTRIBUTIONas of December 31, 2021

Low Hazard Focus

Shown as a percentage of in-force premium

97%

NCCI low to medium (hazard groups A-D)

in NCCI higher (hazard groups E-G)

Premium Contribution

Partnerships and Alliances

28%

Agents

72%

Nationwide Platform

What We Write

Top Ten Employer Classifications

% of Premium

Restaurants & Other Eating Places21%

Traveler Accommodation7%

Automobile Dealers5%

Automotive Repair and Maintenance4%

Offices of Physicians4%

Real Estate Management3%

Services to Buildings and Dwellings3%

Schools3%

Other Store Retailers3%

Wholesale Stores3%

Classes of Business

Food & Beverage

Tech and Scientific services

Legal and Financial services

Hospitality

Landscaping services

Printing and Publishing

Retail

Educational

Plumbing and HVACPersonal Services

Clothing retail

Personal product retail

Medical professions

Architecture and Engineering services

Office, Home and Garden

Therapeutic Services

Commercial janitorial

Flooring InstallationPainting and Wallpaper

EMPLOYERS®and Cerity®each plan to expand into other low hazard group classes of business in the future

% of Premium as of December 31, 2021

Attachments

Disclaimer

Employers Holdings Inc. published this content on 05 May 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 06 May 2022 17:51:46 UTC.