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State Fund is California's largest provider of workers' compensation insurance and a vital asset to California businesses. State Fund supports California's entrepreneurial spirit and plays a stabilizing role in the economy by providing fairly priced workers' compensation insurance making California workplaces safe, and restoring injured workers.

Group Insurance
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Group Insurance

Enjoy the Advantages of a Group Plan

Joining a group program is a simple way for employers to get more from their workers’ compensation coverage. State Fund offers Group Workers’ Compensation Insurance through nearly 45 trade associations, representing a wide range of industries throughout California. Group members enjoy numerous advantages that add value to a workers’ compensation policy, including:

  • Cost savings
  • Convenient service
  • Safety programs

If you are an individual State Fund policyholder, consider converting to a group program at renewal and discover the difference.

Savings Advantages

  • All group policies receive a 6 percent discount. Because this group discount is combinable with other State Fund discounts, employers save more on their premiums.
  • Small employers with low payroll save by paying a reduced group minimum premium.
  • Because of a group’s mandatory loss-control threshold, employers have an added incentive to create safer workplaces and decrease their claims costs and experience modifications.
  • Group policyholders may also benefit from additional claims-management services, such as the Alternative Dispute Resolution program.

Service Benefits

  • Trade association programs may provide advice on business procedures, legislative advocacy, and necessary forms and documents. Other group services may include health and dental plans, legal services, and life insurance.
  • Many associations perform claims reviews. Close monitoring of claims can help resolve them sooner, which can result in reduced experience modification.
  • As a group member, you receive an additional layer of service from State Fund’s staff of group specialists. These resources can help employers more effectively take advantage of the trusted core of State Fund services.
  • Membership gives employers a voice for member feedback as well as a network for contacts and information.

Safety Enhancements

  • Group members share a commitment to maintaining a good safety record, with selective underwriting review to maintain low group losses.
  • Employers get industry-focused safety services that may include the interpretation of regulations, emergency-care planning, safety seminars, and a review of workplace accidents and their costs and trends.

How to Qualify

  • Must be a current member in good standing of a qualifying association.
  • Must meet the requirements of having the proper designated governing class code or schedule.
  • Must meet the group underwriting criteria for the specific association.

For more information, please contact Group Insurance.

Note: State Compensation Insurance Fund is not a branch of the State of California.

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