---
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"
generated_at: "2026-05-26T08:23:40.226506+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Employers Holdings Q4 net income $28.3M ($1.14) down from $45.6M; full-year combined ratio 97.9%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001379041-25-000024
- JSON: https://secwatch.observer/filing/0001379041-25-000024.json
- Plain text: https://secwatch.observer/filing/0001379041-25-000024.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.