What does insurance operations — unearned premiums mean?

Represents the portion of written premiums that has been collected but not yet earned because the policy coverage period is still active. As time passes and the insurer provides coverage, this liability is systematically recognized as revenue. It serves as a key indicator of future revenue potential and the company's current exposure to active policy risks.

Employers Holdings EIG Insurance Operations — Unearned premiums

Similar metrics at other companies

AXSInsurance — Unearned premiums

$4.33B+12.3%

KNSLUnearned premiums

$856.16M+1.2%

FAFUnearned premiums

$199.3M+1.6%

BHUnearned premiums

$18.52M+1.9%

THGUnearned premiums

$3.4B+4.4%

CNAUnearned premiums

$7.65B+1.9%

Other financials

Income statement

See full

Revenue$207.6M+2.5%

Net income$10.2M-20.3%

EPS (diluted)$0.520.0%

Balance sheet

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Cash & equivalents$153.1M+52.5%

Total debt$128.8M+3,289%

Total equity$866.5M-19.4%

Total assets$3.4B-3.4%

Cash flow

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Operating cash flow$2.2M-84.9%

CapEx$900.0K+80.0%

Free cash flow$1.3M-90.8%

Valuation

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Market cap$885.15M-20.9%

Enterprise value$860.85M-15.8%

P/E19.9×+9.0×

P/S1×-0.3×

Profitability

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Net margin6.9%-8.4pp

FCF margin3.8%-6.8pp

Returns & leverage

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Return on equity5.9%—

Debt / equity0.1×+0.1×

Where this comes from

Reported directly by Employers Holdings in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

The official record: Employers Holdings’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Employers Holdings's insurance operations — unearned premiums?: Employers Holdings (EIG) reported insurance operations — unearned premiums of $391.9M in Q4 2025.
What does insurance operations — unearned premiums mean?: Represents the portion of written premiums that has been collected but not yet earned because the policy coverage period is still active. As time passes and the insurer provides coverage, this liability is systematically recognized as revenue. It serves as a key indicator of future revenue potential and the company's current exposure to active policy risks.