First Quarter 2022 Investor Presentation
INVESTOR PRESENTATION
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
Filings with the
TheCompany'sfilings with the
© 2022 EMPLOYERS. All rights reserved.
EMPLOYERS® andAmerica'ssmall business insurance specialist® are registered trademarks of
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
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%
3%
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%
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
Attachments
Disclaimer
REINSURANCE GROUP OF AMERICA INC – 10-Q – MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
Financial Lines Insurance Market May See a Big Move: Major Giants AIG, Chubb, Zurich, Prudential
Advisor News
Annuity News
Health/Employee Benefits News
Life Insurance News