Source: Employers — Industries We Insure
EMPLOYERS Holdings: Manufacturing Insurance Appetite
Employers will write workers' comp for light manufacturing operations, but they are not a primary manufacturing market. Their sweet spot is assembly, packaging, and low-hazard fabrication. For full-package manufacturing coverage including product liability and property, use Travelers, CNA, or Acuity as the primary carrier and consider Employers only for the workers' comp component on lighter operations.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
46 states + DC
Key Features
- Light manufacturing in low-to-medium hazard categories may be eligible
- Assembly, packaging, and light fabrication class codes can be quoted
- Medical device and electronics assembly operations are within appetite
Limitations
- Workers' compensation only — no GL, property, or product liability
- Heavy manufacturing, metalworking, and chemical processing are generally outside appetite
- High-hazard manufacturing with significant machinery exposure is declined
Compare Other Carriers for Manufacturing
$4,000-$15,000
$10,000-$75,000
$10,000-$80,000
$500-$4,000
$1,500-$8,000
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$5,000-$50,000
$5,000-$40,000
$3,000-$20,000
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$3,000-$15,000
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Not available
$8,000-$100,000
$5,000-$100,000
$1,000-$10,000
$8,000-$60,000