EMPLOYERS HOLDINGS, INC. (EIG) Q3 & 9M 2025 TL;DR
Employers Holdings, Inc. reported a severe financial reversal for Q3 2025, swinging from prior year income to a net loss of $(8.3) million for the quarter, despite YTD net income of \(34.2 million (down sharply from \)90.3 million in 2024).
Underwriting and Loss Deterioration: The primary concern is underwriting performance, with the 9-month Combined Ratio deteriorating to 112.5% (vs. 98.7% in 2024). This was caused by surging Loss and LAE expenses and significant prior accident year reserve strengthening ($38.2M in Q3), dri
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