- The report contains detailed information about Employers Holdings, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Employers Holdings, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Employers Holdings, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Employers Holdings, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Employers Holdings, Inc. business.
About Employers Holdings, Inc.
Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry in the United States. The company provides workers compensation insurance to small businesses engaged in low to medium hazard industries primarily in California. It distributes its products through independent agents and brokers and through its strategic partnerships and alliances.
The company provides workers compensation insurance coverage to various homogeneous groups of business, such as physicians, dentists, restaurants, artisan contractors, and retail stores. The companys loss control professionals provide consultation to policyholders to assist them in preventing losses and containing costs once claims occur. They also assist its underwriting personnel in evaluating potential and current policyholders. The company offers dividend plans to eligible policyholders, primarily in Florida and Wisconsin, under which a portion of the premium paid by a policyholder may be returned in the form of a dividend
Strategic Partnerships and Alliances
The company jointly markets its workers compensation insurance products with ADP, Inc.s (ADP) payroll services primarily to small businesses in ten states and with Wellpoint, Inc.s (Wellpoint) group health insurance plans in California. Additionally, the company has entered into additional strategic partnerships with E-chx, Inc. (E-chx) and Granite Professional Insurance Brokerage, Inc. (Granite), Intego Insurance Services, LLC (Intego), and Small Business Payroll Services Group of Wells Fargo Bank, National Association (Wells Fargo).
Wellpoint: The Wellpoint Integrated Medicomp joint marketing program includes two agreements, a small group health insurance plan (for businesses with 1 to 50 employees) and a large group health insurance plan (for businesses with 51 to 250 employees). These two group health insurance plans are offered with its standard workers compensation insurance policy. This relationship allows the company to distribute an integrated group health/workers compensation product in California through Wellpoints life and health agents.
ADP: ADP is a payroll services company which provides services to small and medium-sized businesses. As part of its services, ADP sells its workers compensation insurance product along with its payroll and accounting services through ADPs insurance agency and field sales staff primarily to small businesses in 10 states (Arizona, California, Colorado, Florida, Idaho, Illinois, Nevada, Oregon, Texas, and Utah).
E-chx and Granite: The company entered into a joint sales, services, and program administration agreement with E-chx and Granite, pursuant to which E-chx, a payroll solutions company providing payroll outsourcing solutions for small businesses, markets its workers compensation insurance product with its payroll services. E-chx offers an E-PAY program. An advantage of this program is that the policyholder is not required to pay a deposit at the inception of the policy.
Intego: The company has entered into a partner program and agency agreement with Intego, a full service insurance brokerage that works with approved, independent payroll service companies to identify potential business leads. Pursuant to this agreement, Intego markets its workers compensation insurance product in Texas, Florida, and Illinois to business customers of the independent payroll service companies with a billing that is integrated with their payroll products. Additionally, as part of its distribution relationship, Granite markets its products through other payroll providers.
Wells Fargo: The company has entered into a strategic relationship with the Small Business Payroll Services Group of Wells Fargo. This relationship allows the Small Business Payroll Services Group to offer its workers compensation products as part of ExpressPay and other payroll services in the western states in which it does business. ExpressPay is sold through Wells Fargo banking operations by bankers who are trained to identify and cross-sell the ExpressPay product.
The companys three primary competitors in California are the California State Compensation Insurance Fund; Berkshire Hathaway Insurance Group; and Republic Indemnity Company of America.
Employers Holdings, Inc. was founded in 2000.
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1. EMPLOYERS HOLDINGS, INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. EMPLOYERS HOLDINGS, INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. EMPLOYERS HOLDINGS, INC. SWOT ANALYSIS
4. EMPLOYERS HOLDINGS, INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. EMPLOYERS HOLDINGS, INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Employers Holdings, Inc. Direct Competitors
5.2. Comparison of Employers Holdings, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Employers Holdings, Inc. and Direct Competitors Stock Charts
5.4. Employers Holdings, Inc. Industry Analysis
5.4.1. Insurance Industry Snapshot
5.4.2. Employers Holdings, Inc. Industry Position Analysis
6. EMPLOYERS HOLDINGS, INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. EMPLOYERS HOLDINGS, INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. EMPLOYERS HOLDINGS, INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. EMPLOYERS HOLDINGS, INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. EMPLOYERS HOLDINGS, INC. PORTER FIVE FORCES ANALYSIS2
12. EMPLOYERS HOLDINGS, INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Employers Holdings, Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Employers Holdings, Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Employers Holdings, Inc. Major Shareholders
Employers Holdings, Inc. History
Employers Holdings, Inc. Products
Revenues by Segment
Revenues by Region
Employers Holdings, Inc. Offices and Representations
Employers Holdings, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Employers Holdings, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Employers Holdings, Inc. Capital Market Snapshot
Employers Holdings, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Insurance Industry Statistics
Employers Holdings, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Employers Holdings, Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Employers Holdings, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Employers Holdings, Inc. 1-year Stock Charts
Employers Holdings, Inc. 5-year Stock Charts
Employers Holdings, Inc. vs. Main Indexes 1-year Stock Chart
Employers Holdings, Inc. vs. Direct Competitors 1-year Stock Charts
Employers Holdings, Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?