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Employers Holdings EIG Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims

Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims at other companies

HCI Group logo
HCI GroupHCI
$71.08M+10.3%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
Amerisafe logo
AmerisafeAMSF
W.R. Berkley logo
W.R. BerkleyWRB

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$888.87M-8.6%
Enterprise value$864.57M-4.6%
P/E20×+9.0×
P/S-0.1×

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:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1.

The source filing: Employers Holdings’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 4:53 PM EST
Fiscal year
FY2025
Accession
0001379041-26-000011
Line itemYears Ended December 31, 2025Years Ended December 31, 2024Years Ended December 31, 2023
Losses and LAE, net of reinsurance, incurred during the period related to:
Current year548.1480.2457.8
Prior years39.6(18.4)(44.9)
Total net losses and LAE incurred during the period587.7461.8412.9
Paid losses and LAE, net of reinsurance, related to:
Current year127.6127.1111.7
Prior years436.6395.0360.4
Total net paid losses and LAE during the period564.2522.1472.1

Item 8. Financial Statements and Supplementary Data

FAQ

What is Employers Holdings's liability for unpaid claims and claims adjustment expense, incurred claims?
Employers Holdings (EIG) reported liability for unpaid claims and claims adjustment expense, incurred claims of $146.93M in Q4 2025.
How has Employers Holdings's liability for unpaid claims and claims adjustment expense, incurred claims changed year-over-year?
Employers Holdings's liability for unpaid claims and claims adjustment expense, incurred claims increased by 27.3% year-over-year, from $115.45M to $146.93M.
What is the long-term trend for Employers Holdings's liability for unpaid claims and claims adjustment expense, incurred claims?
Over 4 years (2021 to 2025), Employers Holdings's liability for unpaid claims and claims adjustment expense, incurred claims has grown at a 15.8% compound annual growth rate (CAGR), from $326.7M to $587.7M.
What does liability for unpaid claims and claims adjustment expense, incurred claims mean?
The total estimated cost for all claims that have been incurred but not yet settled, including both reported claims and those incurred but not reported. This is a primary indicator of an insurance company's future financial obligations and underwriting risk.

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