EMPLOYERS launches ChatGPT app

Workers’ comp carrier EMPLOYERS 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.

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. Users receive a real-time premium estimate and can transition to a full quoting experience.

According to an EMPLOYERS spokesperson, information entered during the ChatGPT experience does not pre-populate into their quoting system. Streamlining that handoff is something the company is planning for a future phase.

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

“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. 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.” – Kelley Kage, CIO of EMPLOYERS.