Mark Hughes

Robert Farnam

Matt Carletti

- Employers Holdings, Inc. reported a **net loss of $8.3 million** and an **adjusted net loss of $25.5 million** for Q3 2025, resulting in an earnings loss per diluted share of **($0.36)** and an adjusted earnings loss per diluted share of **($1.10)**.  **[1379041_0001379041-25-000144_ex991_pressreleasex9302025.htm:0]** **[1379041_0001379041-25-000144_ex992_finsupplementx9302025.htm:0]** 
- Gross premiums written increased **1%** to **$183.9 million** and net premiums earned increased **3%** to **$192.1 million** in Q3 2025.  **[1379041_0001379041-25-000144_ex991_pressreleasex9302025.htm:0]** **[1379041_0001379041-25-000144_ex992_finsupplementx9302025.htm:0]** 
- Following an off-cycle loss reserve review, the company strengthened prior accident year loss and LAE reserves by **$38.2 million** and increased its accident year 2025 loss and LAE ratio to **72.0%**, leading to a combined ratio excluding LPT of **130.4%** for Q3 2025.  **[1379041_0001379041-25-000144_ex991_pressreleasex9302025.htm:1]** **[1379041_0001379041-25-000144_ex992_finsupplementx9302025.htm:0]** 
- The Board of Directors declared a regular quarterly dividend of **$0.32 per share** and approved a **$125.0 million** debt-funded recapitalization plan, which includes a **$125.0 million increase** to the existing share repurchase authorization, expanding the total to **$250.0 million**.  **[1379041_0001379041-25-000144_ex991_pressreleasex9302025.htm:0]** **[1379041_0001379041-25-000144_eig-20251030.htm:2]**

Employers Holdings, Inc. Reports Q3 2025 Results and Announces Capital Actions

- Employers Holdings, Inc. reported a **net loss of $8.3 million**, or **$0.36 per common share**, and an **adjusted net loss of $25.5 million**, or **$1.10 per common share**, for the third quarter ended September 30, 2025.  **[1379041_d6eece927e1243a280c16f9c90845250_0]** 
- Gross premiums written increased **1%** to **$183.9 million**, and net premiums earned increased **3%** to **$192.1 million** in Q3 2025.  **[1379041_d6eece927e1243a280c16f9c90845250_0]**  However, the loss and loss adjustment expenses ratio significantly increased from **63.1% to 97.1%**, resulting in a GAAP combined ratio of **129.7%** compared to 100.4% in the prior year period.  **[1379041_d6eece927e1243a280c16f9c90845250_0]** 
- The Board of Directors approved a **$125.0 million debt-funded recapitalization plan** and increased the existing share repurchase authorization by **$125.0 million**, expanding the aggregate authority to **$250.0 million**.  **[1379041_d6eece927e1243a280c16f9c90845250_2]** 
- The company declared a regular quarterly dividend of **$0.32 per share** and returned **$52.7 million** to stockholders in Q3 2025 through share repurchases and dividends.  **[1379041_d6eece927e1243a280c16f9c90845250_0]** **[1379041_d6eece927e1243a280c16f9c90845250_2]** **[1379041_d6eece927e1243a280c16f9c90845250_3]**

Employers Holdings (EIG)