Employers Risk Services
Employers Risk Services is a Bowling Green, Kentucky-based Third Party Administrator (and division of Houchens Insurance Group) providing claims management, COBRA administration, loss control, wellness programs, and clinical case management to employer clients in Kentucky.
- Company typePrivate
- Founded-
- HeadquartersBowling Green, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Employers Risk Services does
Employers Risk Services (ERS) is a Bowling Green, Kentucky-based Third Party Administrator that operates as the employee benefits and risk services division of Houchens Insurance Group, a privately held independent insurance agency ranked among the top 50 agencies in the United States and licensed in all 50 states. The firm delivers a unified suite of managed services — claims management, compliance and COBRA administration, loss control, wellness programs, and clinical case management/coaching — to employer clients across Kentucky, primarily under multi-year service contracts priced via quote-based engagement.
The service portfolio is supported by two operational technology assets: a web-based safety education, testing, and tracking platform that anchors the loss control offering, and a wellness data platform that aggregates Health Risk Assessments, laboratory results, and biometrics into personalized participant reports and aggregate employer reports. Case management and coaching are delivered by registered nurses, certified phlebotomists, and coaches who manually monitor medical claims and risk factors to drive lifestyle change and steer participants to economically appropriate care.
ERS goes to market through a B2B, sales-led motion that piggybacks on the Houchens Insurance Group distribution network — leveraging the parent's website, phone and email outreach, and a Refer-a-Friend referral program — and serves a horizontal customer base of employers and businesses of all sizes seeking to control health plan costs, reduce workers' compensation exposure, and offload benefits administration burden. The company employs between 11 and 50 people and does not disclose revenue, funding, or named customer logos.
Employers Risk Services firmographics
Firmographics- Name
- Employers Risk Services
- Legal name
- Employers Risk Services
- Website
- https://ers.net
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Employers Risk Services is a Bowling Green, Kentucky-based Third Party Administrator (and division of Houchens Insurance Group) providing claims management, COBRA administration, loss control, wellness programs, and clinical case management to employer clients in Kentucky.
- Ownership category
- akta.pro rank
Employers Risk Services industry classification
Industry- Product category
- Third Party Administration Services
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Managed Workers’ Compensation (Loss Control, Claims & Return-to-Work Programs) (FSAJAEAH)
- akta.pro secondary industry
- HR Policy, Governance, Compliance & Risk Advisory (BPACAJAF)
Keywords
Where Employers Risk Services is headquartered
LocationHeadquarters
- HQ city
- Bowling Green
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Employers Risk Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Third Party Administration Services: ERS operates as a Third Party Administrator (TPA) providing claims management, compliance administration, and loss control services on a recurring fee basis to employer clients
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based service packages |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Employers Risk Services product offering
Product offeringCore offering
Employers Risk Services operates as a Third Party Administrator providing claims management, compliance and COBRA administration, and loss control services for employer-sponsored health and workers' compensation plans. The company also offers wellness programs with HRAs, labs and biometrics, supported by registered nurse case managers and certified phlebotomists who monitor medical claims and risk factors. All services are delivered to employer clients on a recurring managed-services basis.
Product overview
Employers Risk Services (ERS) operates as a Third Party Administrator within Houchens Insurance Group, offering a unified suite of services designed to manage employer health plan costs and workplace risks. The portfolio centers on four interconnected disciplines: Claims Management, Compliance and Cobra Administration, Loss Control, and Wellness Programs. ERS enhances its core offerings with case management and coaching services delivered by registered nurses and certified professionals. The company provides web-based safety education tools and leverages wellness data (HRAs, labs, biometrics) to generate personalized participant reports and aggregate employer reports, ensuring each dollar spent is properly utilized while helping organizations reduce healthcare delivery costs.
Differentiator
Problem solved
Functional benefit
Products and services
- Claims Management
Quantifiable outcome
- Helps ensure each dollar spent on health benefits is properly utilized through wellness programs and claims monitoring
Companies that use Employers Risk Services
Customer profileSegments1 record
Ideal customer profiles1 record
Employers Risk Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Employers Risk Services partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Houchens Insurance GroupcoreERS is a division of Houchens Insurance Group, one of the top 50 insurance agencies in the country, licensed in all 50 states. ERS operates as the employee benefits and risk services arm of the organization.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Employers Risk Services competitors and assessment
Company assessmentDirect peers
- CorVel Corporation: National managed care company providing workers' comp claims administration, case management, and risk management services — a direct functional analog to ERS' RN-driven claims and loss control stack.
- Helmsman Management Services: A Liberty Mutual-affiliated third party administrator focused on workers' compensation, auto, and property claims administration — closely mirrors ERS' TPA positioning for employer clients.
- Sedgwick: One of the largest U.S. third-party administrators of workers' compensation, disability and liability claims, with integrated loss control and return-to-work services that directly overlap ERS' claims management and loss control offering.
- One Call (One Call Care Management): Specialty network and managed-care services provider for the workers' compensation industry, offering clinical and claims-adjacent services that intersect with ERS' case management and wellness programs.
- PMA Companies: Workers' compensation and casualty TPA offering claims management, loss control, and managed care services to employers, comparable to ERS' core service suite.
Broad incumbents
- Gallagher Bassett Services: Global claims management and TPA division of Arthur J. Gallagher, providing integrated workers' comp, liability and risk control services across all 50 states — a scaled analog to ERS' services portfolio.
- Hub International: North American insurance brokerage offering employee benefits administration, workers' comp support, and risk control services similar to those delivered by ERS through HIG.
- Brown & Brown Insurance: Large U.S. insurance brokerage with employee benefits and risk services arms that provide COBRA administration, claims support, and loss control — comparable to ERS as a peer brokerage-owned TPA operation.
- Marsh McLennan (Marsh): Global insurance brokerage and risk services firm whose Marsh Advisory and claims practices deliver TPA-adjacent loss control and claims management capabilities relevant to ERS' employer-facing offering.
- Lockton Companies: Largest privately held independent insurance brokerage, providing employee benefits consulting and risk management services for employer clients — a broad incumbent analogous to HIG/ERS' market role.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Employers Risk Services social profiles
Digital presenceEmployers Risk Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Employers Risk Services leadership team
Management profileNumber of profiles
Profiles2 records
Employers Risk Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Employers Risk Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Employers Risk Services
What does Employers Risk Services do?
Employers Risk Services operates as a Third Party Administrator providing claims management, compliance and COBRA administration, and loss control services for employer-sponsored health and workers' compensation plans. The company also offers wellness programs with HRAs, labs and biometrics, supported by registered nurse case managers and certified phlebotomists who monitor medical claims and risk factors. All services are delivered to employer clients on a recurring managed-services basis.
Is Employers Risk Services a public or private company?
Employers Risk Services is a private company. It is classified as corporate owned and is currently operating.
When was Employers Risk Services founded?
Employers Risk Services was founded in -1. It employs 11 to 50 people.
Where is Employers Risk Services based?
Employers Risk Services is headquartered in Bowling Green, United States, in the North America region.
How does Employers Risk Services make money?
One revenue line is on record: third Party Administration Services.
Who are Employers Risk Services's main competitors?
Direct peers on record are CorVel Corporation, Helmsman Management Services, Sedgwick, One Call (One Call Care Management) and PMA Companies. Broad incumbents are Gallagher Bassett Services, Hub International, Brown & Brown Insurance, Marsh McLennan (Marsh) and Lockton Companies.
Does Employers Risk Services have an API?
No public API is recorded for Employers Risk Services.
What industry is Employers Risk Services in?
Employers Risk Services's product category is Third Party Administration Services. Its primary akta.pro industry code is FSAJAEAH, Managed Workers’ Compensation (Loss Control, Claims & Return-to-Work Programs), with a secondary code of BPACAJAF, HR Policy, Governance, Compliance & Risk Advisory. Its NAICS code is 524210 and its SIC code is 6411.