Employers Holdings, Inc. is a insurer, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.
Insider activity
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for EIG.
Flagship explainer
How EMPLOYERS HOLDINGS, INC. earns its spread
EMPLOYERS HOLDINGS, INC.'s filing does not supply enough comparable lines for a truthful flow chart — here's what is filed:
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
We could not retrieve insider activity for this rendering; no zero-activity claim is shown.
Unavailable: Form 4 activity could not be retrieved for this rendering.
What the financial-sector model scores (insurer)
67
Median ROE 11.3% on average equity, above the 10% hurdle in 67% of 9 years.
93
Q3 scored 2 evidenced ratios equally.
72
Profitable in 100% of 10 years, ROE steady.
76
Median loss ratio 57.1% of net earned premiums over 10 years through FY2025.
Not scored for this company
Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Net interest economics apply to banks and lenders; not part of the carrier model.
Scored 4 of 5 applicable components (underwriting carrier model); weights renormalized over the scored set.
Fundamentals
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
Financial-sector score history
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Reading
Aug 3, 2026
74
Jul 26, 2026
73
Jul 26, 2026
73
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.
Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell EIG. See the disclaimer.