Employers Insurance Review & Ratings (2024)

Employers Insurance is a provider of business insurance for small to mid-sized businesses. They offer a range of coverage options, including general liability insurance, workers’ compensation insurance, and professional liability insurance.

The cost of coverage will vary depending on several factors, including the type of coverage needed, the size of the business, and the state where the business is located.

Employers Insurance also offers several discounts to help lower the cost of coverage for their customers, including package discounts, loyalty discounts, safety discounts, and pay-in-full discounts.

Customer reviews of the company have been mixed, with some praising the coverage options and customer service and others criticizing the claims process and pricing.

What You Should Know About Employers Insurance

Welcome to our informative article about  Employers Insurance, and how it can provide you with the comprehensive coverage you need. We will discuss the various insurance options offered by Employers Insurance including auto insurance, home insurance, and more. We will delve into the importance of having tailored coverage that meets your specific needs and protects your valuable assets.

• Over 100 years in business
• Offers liability and workers’ compensation insurance
• Wide range of coverage options

To ensure you find the best insurance coverage at competitive rates, we invite you to enter your zip code below. You can compare quotes from the top insurance providers in your area and make an informed decision based on the options available to you. Enter your zip code now and secure the coverage you need with Employers Insurance.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Employers Insurance Company History and Mission

Employers Insurance is a provider of liability and workers’ compensation insurance for businesses of all sizes. The company has a long history, having been established over 100 years ago. Their mission is to provide their customers with comprehensive coverage options, affordable prices, and exceptional customer service.

They are committed to helping businesses protect themselves against financial loss and ensuring that their employees are properly covered in the event of a work-related injury.

Throughout its history, Employers Insurance has been dedicated to serving the insurance needs of businesses of all sizes. They have a reputation for offering quality coverage options and providing outstanding customer service.

Whether you are a small business owner or the head of a large corporation, Employers Insurance has the products and services you need to protect your business and your employees.

Employers Insurance Coverage Options

Employers Insurance offers a wide range of coverage options to meet the needs of businesses of all sizes. Their products and services include:

• General liability insurance: This coverage protects businesses against financial loss in the event of a lawsuit related to third-party bodily injury or property damage.
• Professional liability insurance: This coverage protects business in the event of a lawsuit related to errors or omissions in the performance of professional services.
• Commercial auto liability insurance: This coverage protects businesses that own or operate commercial vehicles, covering the cost of damage to other vehicles or property in the event of an accident.
• Workers compensation insurance: This coverage provides financial support to employees who are injured on the job, covering medical expenses, lost wages, and other benefits.

Employer insurance also offers coverage for specialized industries, such as construction, transportation, and healthcare. Their products and services are available in several states across the country, and they offer customizable coverage options to meet the unique needs of their customers.

States Where Employers Insurance is Provided

Employer insurance is currently available in the following states:

• Arizona
• California
• Colorado
• Florida
• Georgia
• Nevada
• New Jersey
• Ohio
• Oregon
• Pennsylvania
• Texas

There are several ways to find out if employer insurance is available in your state:

• Visit the Employers Insurance website: On the company’s website, you can find information about the products and services they offer, as well as the states where their coverage is available. Simply navigate to their “Coverage” or “Products & Services” page to learn more.
• Contact a local agent: Employers Insurance works with local agents who can provide you with more detailed information about the coverage options available in your area. To find an agent near you, use the “Find an Agent” tool on their website.
• Call Employers Insurance customer service: You can also speak with a representative from Employers Insurance directly by calling their customer service line. They will be able to answer any questions you have about the availability of their products and services in your state.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Employers Insurance Rates Breakdown

The cost of employee insurance will vary depending on several factors, including the type of coverage you need, the size of your business, and the state where you are located.

Some of the factors that can affect the cost of your coverage include:

• Type of coverage: The cost of your coverage will vary depending on the type of insurance you need. For example, general liability insurance may cost less than professional liability insurance.
• Size of your business: The cost of your coverage will also vary based on the size of your business. Larger businesses may pay more for coverage than smaller businesses, due to the increased risk associated with larger operations.
• Location: Insurance rates can vary by state, so the cost of your coverage will depend on the state where your business is located.
• Claims history: If your business has a history of frequent claims, your rates may be higher.

Employers Insurance Discounts Available

Employers Insurance offers several discounts to help lower the cost of coverage for their customers. Some of the discounts available include:

• Package discount: If you bundle multiple types of insurance coverage, such as general liability insurance and workers’ compensation insurance, you may be eligible for a package discount.
• Loyalty discount: If you have been a customer of Employers Insurance for a certain amount of time, you may be eligible for a loyalty discount.
• Safety discount: If your business implements safety measures to reduce the risk of accidents or injuries, you may be eligible for a safety discount.
• Pay in full discount: If you choose to pay for your coverage in full, rather than making monthly payments, you may be eligible for a pay-in-full discount.

Navigating Employers Insurance Claims Process

Ease of Filing a Claim

Employers Insurance offers a streamlined claims process that caters to the convenience of their policyholders. You can file a claim through multiple channels, including online, over the phone, and through their mobile app. This flexibility allows you to choose the method that suits you best, making it easier to initiate a claim when you need it most.

Average Claim Processing Time

One crucial aspect of evaluating an insurance provider is the speed at which they process claims. Employers Insurance is committed to efficient claim processing to minimize any disruption to your business operations. While the exact processing time can vary based on the complexity of the claim, policyholders generally experience a reasonable turnaround time for their claims to be resolved.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable source of insight into an insurance company’s performance when it comes to claim resolutions and payouts. Many customers have reported positive experiences with Employers Insurance, praising their responsiveness and the fair handling of claims.

However, it’s worth noting that some customers have mentioned challenges in getting a prompt response during the claims process. Evaluating customer feedback can provide a balanced perspective on the company’s claims handling.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Unveiling Employers Insurance Digital and Technological Advancements

Mobile App Features and Functionality

Employers Insurance offers a robust mobile app that provides policyholders with convenient access to their insurance information. The app comes equipped with features like policy management, claims tracking, and digital ID cards. This mobile tool empowers policyholders to handle their insurance needs on the go, enhancing the overall customer experience.

Online Account Management Capabilities

In addition to their mobile app, Employers Insurance offers comprehensive online account management capabilities. Through their website, policyholders can access and manage their policies, make payments, and review important policy documents. This online portal simplifies the administrative aspects of insurance, allowing you to stay organized and informed.

Digital Tools and Resources

Employers Insurance recognizes the importance of providing digital tools and resources to help policyholders make informed decisions. Their website offers educational resources, FAQs, and guides to assist you in understanding insurance concepts and coverage options. These digital resources empower you to navigate the complexities of insurance confidently.

How Employers Insurance Ranks Among Providers

In the competitive landscape of insurance providers, Employers Insurance faces several formidable competitors, each with its strengths and offerings. Understanding these competitors provides valuable insights into the industry dynamics and helps businesses make informed decisions when selecting an insurance partner. Below are some of the main competitors of Employers Insurance:

• The Hartford Financial Services Group: Renowned for comprehensive business insurance solutions, The Hartford excels in providing tailored coverage and effective risk management strategies.
• Chubb Limited: A global insurance giant, Chubb is known for its financial strength and specializes in offering customized solutions for high-net-worth individuals and businesses.
• Travelers Companies Inc.: Travelers, a leading insurance company, is recognized for its emphasis on risk management and innovative products that address the evolving needs of businesses.
• Liberty Mutual Insurance: Liberty Mutual, with extensive global presence, is distinguished for its diverse insurance offerings and personalized coverage and risk management solutions.
• Zurich Insurance Group: Zurich, a global insurance provider, focuses on risk management and sustainability, offering tailored insurance solutions with multinational capabilities.

Employers Insurance Customer Reviews

Customers of Employers insurance generally have positive things to say about the company. Many customers appreciate the wide range of coverage options available and the competitive prices offered by the company. They also praise the company for its excellent customer service and the helpfulness of its agents.

Some customers, however, have reported that the claims process can be slow and that it can be difficult to get a prompt response from the company.

Strengths:

• Wide range of coverage options
• Affordable prices
• Excellent customer service

Weaknesses:

• Slow claims process
• Difficult to get a prompt response from the company

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption