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 workers’ compensation appetite guidance for appointed agents centered on small businesses in low-to-medium hazard industries. The carrier states its underwriting focus is disciplined and aimed at select small businesses, and its public agent materials emphasize target classes that are competitively priced and consistently written. The target-class page says appetite is consistent across all states regardless of customer size or pricing, and these classes are also eligible for instant online quoting in EACCESS. EMPLOYERS highlights 20 target-class industries with quote ratios above 70% and states that 75% of U.S. businesses fall within its target classes. Operationally, preferred business is small-business workers comp in low-to-medium hazard classes, especially risks that fit published target classes / NCCI class-code appetite and can be processed through EACCESS Straight Through Quoting. Geographic notes: EMPLOYERS indicates it operates in 46 states plus DC, and notes there are four states served exclusively by state funds; not all carrier companies do business in all jurisdictions. Submission expectations: agents are directed to use EACCESS and the Appetite Checker to confirm current class eligibility by business segment and location before quoting; appointed agents can submit and quote online 24/7, with straight-through quoting and automatic pull of experience mods for all NCCI states plus California and Wisconsin. ACORD binders and applications are generated automatically from online data entry. For owner/officer inclusion-exclusion documentation, EMPLOYERS states that outside California those forms no longer need to be sent in to the carrier; the insured completes required state forms and the agency of record must retain them and provide them to EMPLOYERS upon request. Broker/producer notes: materials are clearly aimed at appointed agents; agents should work within the published appetite/target classes, use the portal’s Appetite Checker for the most up-to-date eligibility rules, and contact their territory manager for details on submissions outside routine online workflows. No standalone public declined-classes list was verified on the official site; however, the underwriting focus on low-to-medium hazard industries implies higher-hazard or non-target classes are restricted, less competitive, or may require additional review rather than fitting straight-through appetite.