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EMPLOYERS

EMPLOYERS is a workers' comp specialist for small businesses in low-hazard classes, sold through appointed independent agents who quote and bind in its EACCESS portal (and through its Cerity direct brand). It operates across the US except the four monopolistic state-fund states. No personal lines.

LinesWC
Agent portalYes
Quote APINo
StatesSee appetite

Appetite

ClassLineStatesNotes
RestaurantsWCMost statesGo-to industries include restaurants, bakeries, coffee and beverage shops, and ice cream and yogurt shops. EMPLOYERS says its Target Classes are priced competitively, consistent across all states regardless of size, and quotable online in EACCESS (Go-To Appetite Flyer, 2026; Agent Target Classes page, Oct 2026).
HospitalityWCMost statesHotels and motels, country clubs and movie theaters are named go-to classes (EMPLOYERS Go-To Appetite Flyer, 2026).
ContractorsWCMost statesGo-to contractor classes: commercial and residential cleaning, drywall, electricians, finish carpentry, flooring, HVAC, landscaping, painting, plumbing, stone countertop installation, and upholstery and carpet cleaning (EMPLOYERS Go-To Appetite Flyer, 2026).
Professional servicesWCMost statesAccountants, architects, attorneys, bookkeepers and tax preparers, computer programming, payroll services and photographers are go-to classes, as are finance and insurance offices (banks, insurance agents, investment managers, mortgage and securities brokers) (EMPLOYERS Go-To Appetite Flyer, 2026).
HealthcareWCMost statesDental labs, dentists, home healthcare, optical goods, physicians and surgeons, and veterinarians are go-to classes (EMPLOYERS Go-To Appetite Flyer, 2026).
RetailWCMost statesApparel, books, computers and electronics, convenience stores, florists, hardware, jewelry, lighting, paint, pharmacy, tailors and tile stores are go-to retail classes (EMPLOYERS Go-To Appetite Flyer, 2026).
Real estateWCMost statesReal estate agents and appraisers, residential and commercial property management, and self-storage are go-to classes (EMPLOYERS Go-To Appetite Flyer, 2026).
WholesaleWCMost statesNondurable goods wholesalers are in the go-to list: apparel, beverage, paper goods, plumbing supplies and printers. Manufacturing go-to classes include computer and electronic products, food and beverage, machine shops and plastic products (EMPLOYERS Go-To Appetite Flyer, 2026).

How to quote EMPLOYERS

→Carrier portal. Quote directly in the EMPLOYERS agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.

Getting appointed

Agencies download the Agency Appointment Application (Word document) from EMPLOYERS' Become an Appointed Agent page and email it to agencymanagement@employers.com. Newly appointed agents then register for EACCESS.

Sources

  1. EMPLOYERS: Go-To Appetite Flyer (2026)
  2. EMPLOYERS: Appetite and Target Classes
  3. EMPLOYERS: Insurance agents
  4. EMPLOYERS: Become an Appointed Agent

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