Cerity Review

About Cerity

Cerity is the digital, direct-to-consumer workers' compensation brand of Employers Holdings, Inc. (NYSE: EIG), known as EMPLOYERS, a workers' comp specialist headquartered in Reno, Nevada. Cerity launched in January 2019, first in Illinois, as an online platform for small business owners and freelancers. Its policies are written by EMPLOYERS insurance companies, including Cerity Insurance Company.

The pitch is buying workers' comp online without an agent. EMPLOYERS describes Cerity as digital-first, direct-to-consumer workers' comp with fast and affordable coverage through an online platform, and its 10-K says Cerity specializes in smaller risks in classes where customers prefer to buy online. At launch, Cerity said it quoted in seconds, issued policies in under five minutes and used a pricing model with up to 100 price points; its current site could not be read to confirm those figures today.

Cerity is a workers' comp product only. EMPLOYERS' filings describe it as direct-to-customer workers' comp and do not list general liability, a BOP or commercial auto, so a trades business will buy those lines elsewhere. In 2023 EMPLOYERS folded Cerity's separate operations into its main business, and it still markets Cerity as a current offering in 2026. EMPLOYERS writes workers' comp throughout the US apart from four states where coverage comes only from a state fund.

The trade-off: you get a quick, self-serve way to meet a workers' comp requirement from a workers' comp specialist, but no agent to advise you and no other business lines. As with most workers' comp, premium is based on your class of work and payroll, so keep payroll records ready for the policy audit and confirm your state and trade class are available online.