PreferredVerified Q1 2026
Source: Employers — Agent Target Classes
EMPLOYERS Holdings: Retail Stores Insurance Appetite
Retail stores are one of Employers' 20 target classes with quote ratios above 70%. This is an easy win for the workers' comp piece. Pair with Progressive or biBERK for GL and property to complete the account. Small retail with fewer than 25 employees is their sweet spot.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$800-$5,000
Typical annual premium
Target States
46 states + DC
Key Features
- Retail is a core target class — low hazard with high quote-to-bind ratios
- Instant online quoting for standard retail class codes through EACCESS
- Competitive pricing for small retail operations with 1-25 employees
- Return-to-work programs for common retail injuries like lifting and repetitive motion
Limitations
- Workers' compensation only — no GL, property, or BOP
- Firearms dealers and adult retail may require manual underwriting review
- No coverage for retail operations with significant warehouse or distribution exposure
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
CNAStandard
$3,000-$15,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000