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Employers Holdings EIG Insurance Operations — Unpaid losses and loss adjustment expenses

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Other financials

Income statement

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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$890.44M-20.4%
Enterprise value$866.14M-15.3%
P/E20.1×+9.1×
P/S-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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — unpaid losses and loss adjustment expenses?
Employers Holdings (EIG) reported insurance operations — unpaid losses and loss adjustment expenses of $1.81B in Q4 2025.
What does insurance operations — unpaid losses and loss adjustment expenses mean?
Represents the total estimated liability for claims that have been reported but not yet settled, as well as claims that have been incurred but not yet reported. This reserve is essential for ensuring the company can meet its future obligations to policyholders. Accurate estimation of these liabilities is fundamental to the financial stability and solvency of an insurance carrier.