{"schema_version":"secwatch.filing_event.v1","accession":"0001379041-25-000024","form_type":"8-K","ticker":"EIG","cik":"0001379041","company_name":"Employers Holdings, Inc.","filed_at":"2025-02-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.481175+00:00","generated_at":"2026-05-26T08:23:40.226506+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Employers Holdings Q4 net income $28.3M ($1.14) down from $45.6M; full-year combined ratio 97.9%","bullets":["Full-year net income $118.6M ($4.71 dil EPS) vs $118.1M; adjusted net income $94.0M ($3.73) vs $101.7M.","Q4 net income $28.3M ($1.14 dil EPS) vs $45.6M ($1.77); adjusted net income $28.7M ($1.15) vs $36.1M.","Gross premiums written FY 2024 $776.3M (+1.1%); net premiums earned $749.5M (+3.8%); record policies in-force 130,767.","GAAP combined ratio 97.9% (FY) vs 95.0%; Q4 95.5% vs 88.1%; net favorable reserve development $9.1M Q4 vs $24.9M.","Declared Q1 dividend $0.30/sh payable Mar 19; repurchased 193,857 shares in Q4 and 222,438 YTD Feb 19, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001379041-25-000024","json":"https://secwatch.observer/filing/0001379041-25-000024.json","markdown":"https://secwatch.observer/filing/0001379041-25-000024.md","text":"https://secwatch.observer/filing/0001379041-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1379041/000137904125000024/0001379041-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1379041/000137904125000024/eig-20250220.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T08:23:40.226506+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}