Employers Mutual of Nevada
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
EMPLOYERS publishes a workers’ compensation appetite focused on small businesses in low-to-medium hazard industries. The carrier states its underwriting focus is select small businesses and that target classes are consistent across states regardless of customer size or pricing. Target classes are also flagged as Instant Online Classes in EACCESS, and EMPLOYERS directs agents to use EACCESS and the Appetite Checker to confirm in-appetite business before quoting. Published go-to industries/classes include accommodation and food service; administrative/support; selected artisan and light contracting trades such as drywall, electricians, finish carpentry, flooring, HVAC, landscaping, painting, plumbing, stone countertop installation, and commercial/residential cleaning; arts/entertainment; automotive service, dealers, body repair, and gasoline retail; finance/insurance; healthcare offices and home healthcare; information services; light manufacturing such as computer/electronic products, electrical equipment, food and beverage, machine shops, paper goods, and plastics; professional services; real estate/property management/self-storage; retail; wholesale nondurable goods; and personal services such as barber/beauty shops, dry cleaners, nurseries excluding trees, office machine sales/repair, and wineries. EMPLOYERS does not publish a clear public declined-class list on the verified pages reviewed, but its materials repeatedly emphasize low-to-medium hazard business only; out-of-appetite submissions are automatically declined in EACCESS as underwriting data is entered. Geographic notes: EMPLOYERS states it serves 46 states plus the District of Columbia and notes four states are served exclusively by state funds; not all company paper is available in all jurisdictions, so state/company availability should be confirmed through the service area page and portal tools. Submission/broker notes: use EACCESS to submit new business, quote, download reports, and manage business; use the Appetite Checker for current class/state eligibility; newly appointed agents may be handled through Just-in-Time appointments in most states, with pre-appointment still required where state rules do not allow JIT before binding; agents should contact their Territory Manager first for additional appetite or portal questions. Operationally, this is a focused monoline WC market best suited for small, class-driven accounts that fit published target industries and can be efficiently processed through EMPLOYERS’ automated quoting workflow.