In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...
Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...
Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...
A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
Employers Insurance Reviews 2019 (Ratings, Complaints & Coverage). Employers Insurance is for small businesses. While many of the other insurance companies that we have reviewed focused mostly on medium size and large businesses, this one particularly zones in on the small business.
Small businesses are in need of workers compensation insurance just like their larger and medium-size counterparts, but there are far fewer insurance agencies that serve them. Employer's is available in 44 states throughout the country as well as in the District of Columbia and they have been around for over 100 years.
They also have extremely solid financial stability and have a reputation for processing claims really fast. If you are a small business looking to buy commercial insurance, read Employers Insurance reviews to learn about Employers offerings.
Check out Employers Insurance reviews, ratings, complaints & coverage for small business workers compensation insurance and employers liability policies.
About Employers Insurance
The history of the company goes back to 1913. They were founded with a different name that they have now but had the same goal of working with small businesses and workers compensation. In 1913, workers compensation insurance is barely in its infancy, but there were a number of companies providing it. It had only been a few decades since worker's compensation insurance was introduced for the first time to allow them to receive treatment for injuries and avoid lawsuits and get them back to work quickly.
The initial name of the company was the Nevada Insurance Fund, and the reason that they were not able to start offering the type of insurance is quickly as some areas was that Nevada didn't legalize that type of insurance until 1913.
As new laws begin to be established that require companies to carry worker's compensation insurance for their employees, cost became more predictable and companies like Employer's that were providing workers compensation insurance begin to grow. The Nevada Insurance Fund began as an effort by the state to further workers compensation insurance and it eventually was appointed an oversight committee called the Nevada Insurance Commission. It was the Nevada Insurance Commission That eventually would become the company known today as Employer's Insurance.
The Employers Insurance reviews on the Web are mainly positive.
Employers Insurance Business Insurance Products
The offer a limited selection of policies due to the fact that they only provide a few different types of insurance - workers compensation and employers liability insurance. However, being in the business of providing workers compensation insurance for more than 100 years has allowed them to create a business model that companies really love.
They offer low-cost workers compensation insurance than most businesses cannot find anywhere else. They have developed relationships with healthcare organizations and others to provide the lowest cost possible and the most benefits to employees. Some of the other commercial services that they offer include anti-fraud insurance, loss control insurance, claims management, managed care services for employers and more.
Following is a list of industries the Employers Insurance offers workers compensation to - as you can see it is very extensive. (this is a long list!):
Architectural or Engineering Firm
Car or Truck Sales
Inspection and Testing
Oil Change & Lubrication
Parts and Repair
Upholstering or Top Installation
Support and Clerical Services
Bars and Nightclubs
Child Care Center
Advisory Rating Organization
Clerical office Services
Computer Programmer and System Design
Dry Cleaning and Laundry
Cleaning and Dyeing
Laundry and Dry Cleaning
Laundry - Self-Service
Towel / Linen Service
Audio or Video Equipment
Calculators, Cash Registers and Adding Machines
Cameras and Video Equipment
Chips, Circuit Boards and Related components
Clocks and Timers
Computer or Peripheral
Electric Motors and related Components
Electric Power Equipment
Games and Gaming
Laser Cartridge Recharge
Recording Devices & Media
Switch and Control Boards
Wiring, Switches and connectors
Bakeries and Baking Operations
Canned Foods - Glass, Metal or Plastic
Cereal or Breakfast Bar
Chips, Crackers, Pretzel
Coffee or Tea Products
Condiments, Dressing or Sauce Products
Flavor Spice and Color Products
Fruit & Vegetable Products
Meat, Fish or Poultry Production
Pet Food Production
Soft drink and Juice production
Soup & Sauce
Restaurant and Food Service
Buffet or Cafeteria-Style Dining
Fast Food Restaurant
Ice Cream/Frozen Yogurt
Undertaking and Driving
Gas Station and Convenience
Gas & Service Station
Gas Station & Convenience - Self Service
Hotel and Hospitality
Bed & Breakfast
Hotel & Restaurants
Installation and Repair Service
Audio Post Production
Cameras & Video Equipment
Clocks, Timers, Time clocks
Electric Motor Repair
Electronics Sales and Service
Instrumentation - Professional or Scientific
Kitchen/Food Preparation Equipment
Telecommunications Devices and Systems
Meter - Coin Operated
Meter and Gauge Manufacture or Repair
Scientific or Professional Instrumentation
Direct Mail Company
Letter Service Shop
Mail Sorting Service
Mailing or Addressing Company
Clinic - Outpatient Services
Dentist & Oral Surgeon
Mobile Medical Unit - Cat Scan, Mammography, etc.
Automobile Parts, Components & Materials
Brush, Broom or Mop
Coffin or Casket manufacturing - Wood
Cosmetic & Personal Care Products
Cushion, Pillow or Quilt Manufacturing
Embroidery, Printing & Engraving on Fabric
Fabric Bags, Luggage, Sacks, Satchels and Packs
Fabric Products & Materials
Feather or Flower Manufacturing
Household & Kitchen Products
Jewelry and/or Precious Stones
Leather Goods Manufacturing
Lighting & Fixtures
Machine Parts & Components
Medical Devices, Optical, Hearing, Prosthetics, etc.
Motor Parts and Related Components - Electric & Fuel
Musical Instruments, Related Materials & Accessories
Needle, Pin, Hook or Eye manufacturing
Optical Goods & Instruments
Recording Media - Tape, CD, etc.
Stationary, Pens, Print Cartridges and Related Office Products
Paper and Wood Manufacturing
Containers, Packaging and Wrappers
Dowels, Spools and Rollers
Furniture and Cabinets
Games, Cards, Toys and Related Products
Handles and Knobs
Household & Kitchen Products
Musical Instruments & Related Products
Paper Products and Material preparation
Personal Care Products
Picture Frames and Related products
Printed materials and Related Products
Sports Equipment and Materials
Stationary, Writing Implements & Other office Products
Tools and Implements - Including Handles
Window Shutters, Blinds and Related Parts & Materials
Wood Turned Products
Personal Care Service
Day Spa - Not Affiliated with Health Club or Swimming Pool
Hair Styling Salon
Film/Photography Print Shop
Printing and Print Services
Copying & Duplicating Services
Greeting Card Printing
Printing, Publishing & Binding
Silk Screen Printing
Abstract or Title Co.
Advertising & Marketing Services
Computer and Data Processing
Computer Programmers & System Design
Drafting & Blueprint Reproduction
Film Exchange and Projection Rooms
Internet or Web-Based Application Development
Office Machine Installation & Repair
Parking Control Systems
Scales: Counter Type - Installation of Adjustment
Video Post Production
Real Estate Agency
Clubs - Tennis or Racquetball
Apparel, Shoes, Accessories
Appliances - Household
Arts & Crafts
Automobiles & Trucks
Books, Music, Video, Software, Periodicals
Cosmetics & Personal Care
Electronic Equipment & Supplies
Electronics - Consumer
Fabrics & Materials
Furniture and Cabinets
Good Will, Thrift, Used Clothing
Groceries, Food, Beverages
Hardware, Parts & Materials
Home & Garden
Household Products - Flooring, Fixtures, Drapes, etc.
Jewelry, Watches and Related Services
Musical Instruments - Retail, Rental
Pet Products & Grooming
Photography & Supply
Tailoring & Dressmaking
Schools and Institutions
Kindergarten - Not operated in conjunction with Grade School
Balls - Football, Baseball, etc.
Agricultural Implements - Not Farm Machinery
Apparel, Shoes, Accessories
Audio, Video Parts and Accessories
Hardware, Parts & Materials
Employers Insurance Glossary Of Workers Comp Terms
According to their website, "There are many different acronyms used in workers' compensation insurance policies and laws. Below we spell out and define some of the most common terms." These terms are used in their policies so are helpful if you are considering their workers comp and are reading Employers Insurance reviews:
Average Daily Wage (ADW): The ADW is a calculation of an injured employee's average daily earnings and is sometimes used to determine entitlement to wage loss benefits following an injury, particularly where the Average Weekly Wage (AWW) would not be an accurate representation of the employee's earnings.
Average Weekly Wage (AWW): The AWW is another method that may be used in calculating entitlement to wage loss benefits. The average earnings, by week, for a fixed period of time are calculated and wage loss benefits are computed according to that amount.
Independent Medical Examination: In some situations, an employer or insurance company may want to have an injured employee seen by a particular physician to obtain an objective evaluation of the employee's health. An employee may initially be seen by a company physician, or a physician of their own choosing. However, if a concern or dispute arises over the extent of the employee's injuries or whether the employee has any injury at all, the insurer may be entitled to require the employee to appear for an IME with a physician of its choosing.
Permanent Partial Disability (PPD): PPD benefits are payable, in most jurisdictions, to an employee who has sustained a permanent, but not total disability. Many state statutes have predetermined valuations for a host of different PPD injuries involving specific body parts or conditions.
Permanent Total Disability (PTD): PTD benefits are available if an injured employee is permanently and totally disabled from work.
Physical Therapy (PT): Many injured employees are entitled to receive physical therapy as a form of medical treatment to recover from work-related injuries. On forms, or in medical records, you may see a reference to "PT." That is short for "physical therapy."
Social Security Disability Insurance (SSDI): SSDI benefits are payable to disabled individuals through the Social Security Administration. Many state workers' compensation statutes have specific provisions that dictate whether an injured employee may receive both workers' compensation benefits and SSDI benefits at the same time. Generally, if both benefits are appropriate for the same individual, a complex calculation will be performed to "offset" the benefits so that the individual does not receive more money than they are entitled to from both programs.
Statewide Average Weekly Wage (SAWW): The statewide average weekly wage is a computation of average wages paid to workers in a jurisdiction for a set period of time. It is generally used to calculate the minimum, and maximum, amounts of workers' compensation benefits that an injured employee will be entitled to receive.
Temporary Partial Disability (TPD): TPD benefits are payable when an injured employee is able to work despite their injury, although at a reduced rate. The benefits are available only for a limited period of time, in recognition of the fact that the employee will recover fully in the future and will be able to resume full employment without a wage diminution.
Temporary Total Disability (TTD): TTD benefits are available to employees whose injuries leave them totally unable to work for a period of time. The benefits are no longer payable when the "temporary" disability clears and the employee is able to resume working. In some states, if the employee is able to return to work at partial hours or at a wage decrease while their disability clears, (s)he may be entitled to payment of TPD benefits after receiving TTD benefits.
Vocational Rehabilitation (VR): Vocational rehabilitation generally includes a variety of services that are offered to injured employees to help them return to work following a work injury. Vocational rehabilitation may involve transferable skills assessments, educational courses, job search assistance, and many other vocational aids. Vocational rehabilitation is sometimes referred to as "occupational rehabilitation."
Employers Insurance Network
The network is composed of offices that are spread all throughout the United States. There are very few states where this company does not have any offices or insurance brokers. Some of the states where they are not present at all include Wyoming, North Dakota, Washington, Ohio and anywhere outside of the Continental United States.
Employers Insurance Ratings Online
When it comes to reviews online, this company has a pretty good rating. Following are some Employers Insurance reviews and ratings:
BBB.org - The Better Business Bureau rates them 1 out of 5 stars but only based on 1 review.
Indeed.com - Indeed rates them 4.1 out of 5 stars.
Employers Insurance Contact Information
Address: 10375 Professional Circle, Reno, NV 89521-4802
Insurance is offered through Employers Compensation Insurance Company, Employers Insurance Company of Nevada, Employers Preferred Insurance Company, and Employers Assurance Company. EIG Services, Inc. (in California, dba EIG Insurance Services) is an affiliated agency and adjuster.
The Bottom Line On Employers Insurance
The bottom line is that this is a good insurance company that focuses on workers compensation insurance. They do offer a few other commercial products, but for companies that are looking for low-cost workers compensation insurance that performs well for their employees, this is definitely the insurance company to choose.
There are quite a few bad workers compensation policies out there, and it is good to have a company with an excellent reputation that is been around for more than 100 years for employers to rely upon. Employers Insurance reviews are good for workers comp.
The reviews and opinions expressed on this web site are solely those of the original authors and other contributors. These views and opinions do not necessarily represent those of the GeneralLiabilityInsure.com staff, and/or any/all contributors to this site.
Images on this site are copyright to its respectful owners. All product names, logos, and brands are property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, logos, and brands does not imply endorsement.
Employers Insurance Reviews
Rated 3.6/5 based on 8 reviews
The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.
General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue.