LimitedVerified Q1 2026
Source: Employers — Industries We Insure
EMPLOYERS Holdings: General Contractors Insurance Appetite
Employers can write workers' comp for light-trade contractors such as painters, drywall installers, and finish carpenters, but they are not a primary contractor market. For general contractors doing structural work, excavation, or heavy construction, use Travelers, CNA, or Acuity for the full package and only consider Employers for the workers' comp component on low-hazard sub-trades.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
46 states + DC
Key Features
- Workers' comp available for light commercial contractors in low-to-medium hazard trades
- Trades like painting, flooring, and finish carpentry fit their appetite well
- Online quoting through EACCESS portal for eligible contractor class codes
Limitations
- Workers' comp only — no GL, commercial auto, or inland marine available
- Heavy construction, structural steel, and roofing class codes are outside appetite
- Focuses on low-to-medium hazard industries — high-hazard trades are declined
Compare Other Carriers for General Contractors
Progressive CommercialPreferred
$3,000-$18,000
TravelersPreferred
$8,000-$75,000
CNAPreferred
$8,000-$50,000
HiscoxPreferred
$270-$8,000
ERGO NEXT InsurancePreferred
$2,000-$10,000
The HartfordPreferred
$5,000-$50,000
AcuityPreferred
$5,000-$40,000
Erie InsurancePreferred
$4,000-$30,000
biBERKPreferred
$2,000-$15,000
AmTrust Financial ServicesStandard
$3,000-$20,000
BTISPreferred
$3,000-$25,000
Pie InsuranceStandard
$2,000-$15,000