Office worker at desk

Interested in Workers’ Compensation Insurance?

Some of the Industries we Insure

EMPLOYERS specializes in providing cost-effective workers’ compensation insurance and services to eligible small businesses in low-to-medium hazard industries. Below are some of the business industries we insure*:

Agents can also get a closer look at our appetite targets with this quick-guide page.

Accounting

  • Accounting
  • Auditing
  • Computer
  • Systems/Programming
  • Office Systematizer
  • Tax Preparation

Administrative or Support Services

  • Mailing or Addressing Companies
  • Printing

Architectural Engineering

  • Architectural or Engineering Firm
  • Architectural Supervising
  • Civil Engineering
  • Consulting
  • Electrical Engineering
  • Mechanical Engineering

Automotive

  • Automotive/Truck Service
  • Body Repair
  • Car or Truck Sales
  • Inspection and Testing
  • Oil Change & Lubrication
  • Parts and Repair
  • Repair Shop
  • Upholstering or Top Installation

Banking

  • Bank
  • Credit Union
  • Financial Services
  • Mortgage Bank
  • Support and Clerical Services
  • Technical Services
  • Trust Company

Bars and Nightclubs

  • Bar
  • Cocktail Lounge
  • Discotheque
  • Nightclub
  • Sports Bar
  • Tavern

Child Care

  • Child Care Center
  • Daycare
  • Preschool

Clerical

  • Advisory Rating Organization
  • Clerical office Services
  • Computer Programmer and System Design

Contractor Services

  • Electricians
  • Flooring
  • HVAC
  • Nurseries – Excluding Trees
  • Painting
  • Plumbing
  • Landscaping

Cleaning and Laundry

  • Cleaning and Dyeing
  • Commercial Janitorial
  • Dry Cleaning
  • Laundry
  • Laundry and Dry Cleaning
  • Laundry – Self-Service
  • Laundry Supply
  • Residential Janitorial
  • Towel / Linen Service

Electronics Manufacturing

  • Audio or Video Equipment
  • Calculators, Cash Registers and Adding Machines
  • Cameras and Video Equipment
  • Chips, Circuit Boards and Related components
  • Clocks and Timers
  • Computer or Peripheral
  • Control Panels
  • Electric Motors and Related Components
  • Electric Power Equipment
  • Electronic Component
  • Electronic Device
  • Electronic Instrument
  • Electronic Parts
  • Games and Gaming
  • Laser Cartridge Recharge
  • Medical Devices
  • Radio Equipment
  • Recording Devices & Media
  • Switch and Control Boards
  • Telecommunications Equipment
  • Testing Devices
  • Wiring, Switches and Connectors

Food Manufacturing

  • Bakeries and Baking Operations
  • Canned Foods – Glass, Metal or Plastic
  • Cereal or Breakfast Bar
  • Chips, Crackers, Pretzel
  • Coffee or Tea Products
  • Condiments, Dressing or Sauce Products
  • Confectionary Products
  • Ethnic Foods
  • Flavor Spice and Color Products
  • Flour Products
  • Frozen Foods
  • Fruit & Vegetable Products
  • Grocery Wholesale
  • Meat, Fish or Poultry Production
  • Nuts
  • Pasta
  • Pet Food Production
  • Prepared Foods
  • Salad Preparation
  • Snack Foods
  • Soft Drink and Juice production
  • Soup & Sauce
  • Sugar Products

Restaurant and Food Service

  • Bakery/Delicatessen
  • Buffet or Cafeteria-Style Dining
  • Coffee Shop
  • Confections
  • Diner/Luncheonette
  • Doughnut Shop
  • Ethnic Foods
  • Fast Food Restaurant
  • Fine Dining
  • Ice Cream/Frozen Yogurt
  • Juice/Health Drinks
  • Pizza Shop
  • Sandwich Shop
  • Snack Foods
  • Vending Machines
  • Wineries
  • Yogurt Shop

Funeral Services

  • Crematory Operation
  • Funeral Direction
  • Funeral Services
  • Undertaking and Driving

Gas Station and Convenience

  • Gas & Service Station
  • Gas Station
  • Gas Station & Convenience – Self Service

Hotel and Hospitality

  • Bed & Breakfast
  • Hotel
  • Hotel & Restaurants
  • Motel

Installation and Repair Service

  • Audio Post Production
  • Audio/Visual
  • Automobile Seats
  • Cameras & Video Equipment
  • Clocks, Timers, Time Clocks
  • Electric Motor Repair
  • Electronics Sales and Service
  • Instrumentation – Professional or Scientific
  • Kitchen/Food Preparation Equipment
  • Medical Devices/Instrumentation
  • Musical Instruments
  • Office Machines
  • Sewing Machine
  • Telecommunications Devices and Systems
  • Typewriter
  • Voting Machines
  • Watch Repair

Instrument Manufacturing

  • Instrumentation manufacturing
  • Medical Instruments
  • Meter – Coin Operated
  • Meter and Gauge Manufacture or Repair
  • Scientific or Professional Instrumentation
  • Speedometer
  • Taximeter
  • Thermocouple
  • Thermometer
  • Thermostat
  • Thermowell

Legal Services

  • Attorney
  • Court Reporting
  • Law Office

Mailing

  • Addressing Company
  • Direct Mail Company
  • Letter Service Shop
  • Mail Sorting Service
  • Mailing or Addressing Company
  • Presort Bureau

Medical Services

  • Chiropractor
  • Chiropodist
  • Clinic – Outpatient Services
  • Clinical/Medical laboratory
  • Cosmetic medicine
  • Dental Laboratory
  • Dentist & Oral Surgeon
  • Mobile Medical Unit – Cat Scan, Mammography, etc.
  • Optometrist
  • Osteopath
  • Physical Therapy
  • Physician
  • Speech Therapy
  • Therapy, misc.
  • X-Ray Services

Misc. Manufacturing

  • Automobile Parts, Components & Materials
  • Brush, Broom or Mop
  • Coffin or Casket manufacturing – Wood
  • Cosmetic & Personal Care Products
  • Culinary Goods
  • Cushion, Pillow or Quilt Manufacturing
  • Embroidery, Printing & Engraving on Fabric
  • Fabric Bags, Luggage, Sacks, Satchels and Packs
  • Fabric Products & Materials
  • Feather or Flower Manufacturing
  • Household & Kitchen Products
  • Jewelry and/or Precious Stones
  • Leather Goods Manufacturing
  • Lighting & Fixtures
  • Machine Parts & Components
  • Medical Devices, Optical, Hearing, Prosthetics, etc.
  • Motor Parts and Related Components – Electric & Fuel
  • Musical Instruments, Related Materials & Accessories
  • Needle, Pin, Hook or Eye manufacturing
  • Optical Goods & Instruments
  • Pet Products
  • Recording Media – Tape, CD, etc.
  • Signs
  • Sporting Goods
  • Stationary, Pens, Print Cartridges and Related Office Products

Paper and Wood Manufacturing

  • Containers, Packaging and Wrappers
  • Cork Products
  • Dowels, Spools and Rollers
  • Furniture and Cabinets
  • Games, Cards, Toys and Related Products
  • Handles and Knobs
  • Household & Kitchen Products
  • Musical Instruments & Related Products
  • Paper Products and Material preparation
  • Personal Care Products
  • Picture Frames and Related products
  • Printed materials and Related Products
  • Sports Equipment and Materials
  • Stationary, Writing Implements & Other office Products
  • Tools and Implements – Including Handles
  • Wallpaper
  • Window Shutters, Blinds and Related Parts & Materials
  • Wood Turned Products
  • Woodenware

Personal Care Service

  • Barber Shop
  • Beauty Parlor
  • Day Spa – Not Affiliated with Health Club or Swimming Pool
  • Electrolysis
  • Hair Styling Salon
  • Manicuring
  • Massage Therapy
  • Tanning Salon

Photography

  • Film/Photography Print Shop
  • Photographer
  • Photographic Studio

Printing and Print Services

  • Book Binding
  • Book Printing
  • Copying & Duplicating Services
  • Greeting Card Printing
  • Laser Printing
  • Lithographing
  • Printing, Publishing & Binding
  • Screen Printing
  • Signs
  • Silk Screen Printing

Professional Services

  • Abstract or Title Co.
  • Advertising & Marketing Services
  • Computer and Data Processing
  • Computer Programmers & System Design
  • Drafting & Blueprint Reproduction
  • Film Exchange and Projection Rooms
  • Graphic Design
  • HVAC
  • Internet or Web-Based Application Development
  • Landscaping
  • Microfilming
  • Mortgage Brokers
  • Office Machine Installation & Repair
  • Parking Control Systems
  • Plumbing
  • Scales: Counter Type – Installation of Adjustment
  • Telecommunications Installation
  • Upholstering
  • Video Post Production

Real Estate

  • Real Estate Agents & Appraisers
  • Residential & Commercial Property Management

Recreation

  • Billiard Halls
  • Bingo Parlor
  • Bowling Centers
  • Clubs – Tennis or Racquetball
  • Country Club
  • Golf Course
  • Skating Rink
  • Yacht Club

Retail

  • Apparel, Shoes, Accessories
  • Appliances – Household
  • Art Sales
  • Arts & Crafts
  • Automobiles & Trucks
  • Books, Music, Video, Software, Periodicals
  • Bridal/Wedding
  • Cosmetics & Personal Care
  • Department/Variety Store
  • Drugstore, Pharmacies
  • Electronic Equipment & Supplies
  • Electronics – Consumer
  • Fabrics & Materials
  • Florist
  • Furniture and Cabinets
  • Good Will, Thrift, Used Clothing
  • Groceries, Food, Beverages
  • Hardware, Parts & Materials
  • Health Related
  • Home & Garden
  • Household Products – Flooring, Fixtures, Drapes, etc.
  • Jewelry, Watches and Related Services
  • Movie Rental
  • Musical Instruments – Retail, Rental
  • Office Supply
  • Optical
  • Pet Products & Grooming
  • Photography & Supply
  • Rental
  • Sporting Goods
  • Tailoring & Dressmaking
  • Toys

Schools and Institutions

  • Churches
  • College/University
  • Cosmetology School
  • Kindergarten – Not operated in conjunction with Grade School
  • Library
  • Museum
  • Religious Organization
  • School

Sports Manufacturing

  • Balls – Football, Baseball, etc.
  • Hammock
  • Packs, Knapsacks
  • Parachute
  • Saddle
  • Sail Making

Wholesale

  • Agricultural Implements – Not Farm Machinery
  • Apparel, Shoes, Accessories
  • Audio, Video Parts and Accessories
  • Drug
  • Dry Goods
  • Hardware, Parts & Materials
  • Shoes
  • Sporting Goods

 

* Quote availability is subject to applicable underwriting guidelines.

Submitting the form will not provide you with an instant quote, nor is it an application for workers’ compensation insurance. By providing the information, you agree that we can share the information provided with one of our appointed insurance agents who will contact you personally within the next few business days.