EMPLOYERS , America’s workers’ comp specialist,  announced it has launched an app in the ChatGPT App Directory, becoming the first known insurance carrier to do so and bringing its workers’ compensation quoting capability directly into the platform.

Unlike a traditional insurance quoting process, the experience is designed to reduce friction at the point of entry, allowing business owners to begin the process conversationally without navigating complex forms or terminology.

Through the EMPLOYERS experience in ChatGPT, users can:

• Describe their business, location, payroll, employee count, and years in operation through a simple, guided exchange
• Receive a real-time premium estimate
• Seamlessly transition to a full quoting experience if they choose to proceed

“This positions EMPLOYERS at the forefront of AI-native insurance distribution,” said Katherine Antonello, President and Chief Executive Officer of Employers Holdings, Inc. “We are not waiting for the industry to define this channel. We are defining it.”

Placing quoting directly inside ChatGPT creates a new entry point for how businesses begin the insurance process, connecting EMPLOYERS to customers earlier in their decision journey.

“Workers’ comp quoting has never lived inside a consumer AI assistant. The data requirements, state-specific eligibility rules, and underwriting complexity made it a non-starter,” said Kelley Kage, Chief Information Officer of EMPLOYERS. “What changed for us is Model Context Protocol (MCP). By implementing an MCP server that wraps our existing patented Digital Agency Service API, we exposed our real-time rating and classification engine to ChatGPT as a set of structured tool calls. No new underwriting logic, no shadow rating. ChatGPT orchestrates the conversation and our API does the work.”

This is part of a broader expansion of technology and AI capabilities into new channels. Earlier this year, EMPLOYERS also introduced its Excess Workers’ Compensation product, developed with advanced analytics and AI-powered capabilities designed to deliver deeper insights and more proactive risk management.