PreferredVerified Q1 2026
Source: Employers — Industries We Insure
EMPLOYERS Holdings: Healthcare Offices Insurance Appetite
Healthcare offices are within Employers' target class appetite. Medical and dental offices are low-to-medium hazard and fit their model well. Pair with CNA HealthPro or Hiscox for the medical malpractice and professional liability. Employers is a good workers' comp option for small practices that need competitive rates and knowledgeable claims handling for healthcare-specific injuries.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
46 states + DC
Key Features
- Medical and dental offices are a core target class with high bind ratios
- Specific class codes for physician offices, dental practices, and therapy clinics
- Experience with healthcare-specific injuries — needlestick, patient handling, ergonomic
- Competitive pricing for small medical practices with 1-20 employees
Limitations
- Workers' compensation only — no medical malpractice or professional liability
- Hospitals, urgent care centers, and surgical centers are outside small business scope
- Home health and visiting nurse operations may need manual underwriting review
Compare Other Carriers for Healthcare Offices
Progressive CommercialLimited
$2,000-$8,000
TravelersStandard
$5,000-$30,000
CNAPreferred
$6,000-$40,000
HiscoxPreferred
$800-$6,000
ERGO NEXT InsuranceLimited
$800-$4,000
The HartfordPreferred
$3,000-$25,000
AcuityStandard
$3,000-$15,000
Erie InsuranceStandard
$3,000-$15,000
biBERKPreferred
$2,000-$12,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,500-$10,000
NationwideLimited
$2,000-$10,000
Liberty MutualLimited
$2,500-$12,000
ChubbStandard
$4,000-$25,000
Cincinnati FinancialLimited
$2,000-$10,000
Hanover InsuranceLimited
$2,000-$10,000
Auto-Owners InsuranceLimited
$1,800-$9,000