Premium Estimate Tool Disclosure

Important Disclosures

EMPLOYERS’ Workers’ Compensation Premium Estimate Tool  |  Effective Date: May 21, 2026

Scope and Relationship to Other Policies

These Important Disclosures (“Disclosures”) apply to your use of this Workers’ Compensation Premium Estimate Tool (“Tool”), which is powered by artificial intelligence and operated by Employers Holdings, Inc. and its subsidiaries (collectively, the “Company,” “we,” “us,” or “our”). These Disclosures are intended to supplement the Company’s Privacy Statement and Terms of Use, each available at EMPLOYERS Insurance (together, the “Website Policies”). In the event of any inconsistency between these Disclosures and the Website Policies with respect to your use of this Tool, these Disclosures shall govern. For all other interactions with the Company, its websites, products, and services, the Website Policies continue to apply in full.

By using this Tool, you acknowledge that you have read and agree to these Disclosures and the Website Policies.

Artificial Intelligence Disclosure

This Tool is powered by artificial intelligence. You are interacting with an automated AI system, not a human insurance agent, underwriter, or Company employee. The responses, calculations, and premium estimates generated by this Tool are produced by AI technology using computation and algorithms, with limited or no human involvement in individual interactions. Nothing in your interaction with this Tool should be interpreted as personalized advice or a professional recommendation from a licensed insurance agent or underwriter.

Not an Official Quote

The estimated premium or insurance indication provided by this Tool is for informational and advertising purposes only and does not constitute:The estimated premium or insurance indication provided by this Tool is for informational and advertising purposes only and does not constitute: (i) an offer or solicitation of insurance; (ii) an insurance quote, binder, or commitment to provide coverage; (iii) an underwriting decision or determination of eligibility; (iv) a guarantee of premium amount, coverage terms, or availability; or (v) an insurance transaction as defined under any applicable state’s laws, regulations, or other guidance.

You acknowledge and agree that any estimate produced by the Tool is based on limited information processed by automated technology and may differ substantially from an official quote following a full underwriting review. Not all businesses will qualify for coverage. If you choose to proceed by clicking “Get an Official Quote Now,” you will be directed to Affordable Workers’ Comp for Small Businesses – Cerity, where additional information will be required and a separate underwriting process will apply.

Information We Collect and How We Use It

When you use this Tool, we collect the following categories of information that you provide: (ii) number of years in business; (iii) primary state and zip code of business; (iv) employee count; (v) estimated annual payroll; (vi) workers’ compensation classification code; (vii) desired policy start date.

In addition, certain technical information may be automatically collected during your use of this Tool, including device identifiers, Internet Protocol (“IP”) address, browser type, and interaction data.

We collect the information stated above for the following purposes:(ii) to facilitate your request for an official quote through Cerity, should you choose to proceed with obtaining a quote; (iii) to improve our products, services, and customer experience; (iv) to support analytics and operational functions, subject to applicable law; and (v) to comply with applicable legal and regulatory obligations. We will not use the information collected through this Tool for materially different, unrelated, or incompatible purposes without providing you notice.

We will not use the information collected through this Tool for materially different, unrelated, or incompatible purposes without providing you notice.

Third-Party AI Platform

This Tool operates on the OpenAI ChatGPT platform. By using this Tool, you acknowledge that information you enter is transmitted to and processed by OpenAI, LLC (“OpenAI”), a third-party technology provider, in accordance with the Company’s agreement with OpenAI. OpenAI provides the AI infrastructure that powers this Tool.

Under our agreement with OpenAI, the information you provide through this Tool is not used by OpenAI to train or improve its AI models. OpenAI processes this information solely to provide the services described herein, subject to contractual restrictions on use, disclosure, and retention. For information about OpenAI’s data practices, please visit: OpenAI US Privacy Policy.

Sharing of Information

We may share the information collected through this Tool with the following categories of recipients for the business purposes described herein: (ii) our affiliated insurance carriers or servicing companies, including Employers Assurance Company, Employers Compensation Insurance Company, and Employers Preferred Insurance Company, Employers Insurance Company of Nevada, Cerity Insurance Company, and EIG Services, Inc., for underwriting, rating, and policy issuance and/or servicing purposes; (iii) OpenAI, LLC, as the third-party AI platform provider that processes information to provide your premium estimate, as described in Section 4 above; (iv) service providers that assist us with analytics, technology services, and business operations, under contracts that restrict use of your information to the services provided; and (v) regulatory agencies and bureaus, as required by applicable law.

We do not sell personal information collected through this Tool. We do not share personal information collected through this Tool for cross-context behavioral advertising.

Automated Decision-Making Technology

This Tool uses automated decision-making technology (“ADMT”), including AI and algorithmic systems, to process the information you provide and generate a premium estimate. No human underwriter reviews your individual inputs or the resulting estimate within this Tool. The estimate is generated using computation that processes the data fields you provide against rating algorithms and classification data.

Your rights regarding automated decision-making: Subject to applicable law, you may have the right to: (ii) opt out of the use of automated decision-making technology for significant decisions concerning you; (iii) request human review of a decision made by automated technology that adversely affects you; (iv) correct any inaccurate information that was processed by an automated system in making a decision concerning you; and (v) appeal an adverse decision, including by requesting review by a qualified human decision-maker.

Because this Tool provides only a non-binding estimate or insurance indication and does not make coverage or eligibility decisions, you may exercise these rights in connection with this Tool by correcting your inputs and regenerating an estimate, or by contacting us using the information in Section 9 below. If you proceed to obtain an official quote through Cerity and a coverage or pricing decision is made using automated technology, additional disclosures and rights will be provided at that time as required by applicable law.

Your Privacy Rights

Depending on your state of residence, you may have rights regarding your personal information under applicable state and federal privacy laws. These rights may include: (ii) the right to access and obtain a copy of your personal information; (iii) the right to correct inaccurate personal information; (iv) the right to request deletion of your personal information, subject to applicable exceptions; (v) the right to opt out of the sale or sharing of your personal information; (vi) the right to opt out of targeted advertising; (vii) the right to opt out of profiling in furtherance of decisions producing legal or similarly significant effects; (viii) the right to limit the use and disclosure of sensitive personal information; and (ix) the right not to be discriminated against for exercising your privacy rights

The availability and scope of these rights varies by state. To learn more about the rights available to you or to submit a request to exercise your rights, please contact us using the information in Section 9 below. We will respond to verified requests within the timeframes required by applicable law.

If we deny your request, you have the right to appeal. To submit an appeal, contact us and include the word “Appeal” in your communication. If we deny your appeal, we will provide you with information about how to contact your state’s Attorney General or other applicable regulatory authority, if applicable.

Data Retention and Security

We retain information collected through this Tool for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory obligations, and to support our legitimate business operations. When information is no longer required, we will securely delete or de-identify it in accordance with our data retention and destruction policies.

We implement reasonable administrative, technical, and physical safeguards designed to protect the information you provide from unauthorized access, use, alteration, and disclosure. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Contact Information

If you have questions about these Disclosures, wish to exercise any privacy right, or need assistance with your premium estimate, please contact us at:

For California residents, you may also contact the California Privacy Protection Agency at California Privacy Protection Agency (CPPA).

Coverage Information

Workers’ compensation coverage is issued, as applicable, by Employers Assurance Company, Employers Compensation Insurance Company, or Employers Preferred Insurance Company, each an admitted carrier. Coverage is subject to underwriting approval and the terms, conditions, limitations, and exclusions of the applicable policy. “EMPLOYERS” is a registered trademark of EIG Services, Inc. “EMPLOYERS” is used as a collective trade name for these affiliated companies and does not indicate that a single company issues all policies. Cerity Services, Inc. (dba Cerity Insurance Services in CA, License No. 0N14894) is an affiliated agency.

Changes to These Disclosures

We reserve the right to update these Disclosures at any time. When we make changes, we will update the effective date above. Your continued use of this Tool following any changes constitutes your acceptance of the updated Disclosures.