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

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

HCI Group logo
HCI GroupHCI
$61.29M+3.1%
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:PaymentsForLossesAndLossAdjustmentExpense.

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
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
Ending unpaid losses and LAE, net of reinsurance1,419.31,395.81,456.1
Reinsurance recoverable, excluding CECL allowance, on unpaid losses and LAE386.5412.4428.4
Unpaid losses and LAE at end of period$1,805.8$1,808.2$1,884.5

Item 8. Financial Statements and Supplementary Data

FAQ

What is Employers Holdings's liability for unpaid claims and claims adjustment expense, claims paid?
Employers Holdings (EIG) reported liability for unpaid claims and claims adjustment expense, claims paid of $141.05M in Q4 2025.
How has Employers Holdings's liability for unpaid claims and claims adjustment expense, claims paid changed year-over-year?
Employers Holdings's liability for unpaid claims and claims adjustment expense, claims paid increased by 8.1% year-over-year, from $130.53M to $141.05M.
What is the long-term trend for Employers Holdings's liability for unpaid claims and claims adjustment expense, claims paid?
Over 4 years (2021 to 2025), Employers Holdings's liability for unpaid claims and claims adjustment expense, claims paid has grown at a 9.3% compound annual growth rate (CAGR), from $394.8M to $564.2M.
What does liability for unpaid claims and claims adjustment expense, claims paid mean?
The actual cash outflows made to settle insurance claims and associated adjustment expenses during the period. This metric provides a view of the company's liquidity usage and the speed at which claims are being resolved.

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