Employers

Workers’ Compensation insurance protects employers against losses due to work-related accidents and illnesses and provides your injured employee with benefits to compensate for lost work.

State Fund is the largest provider of workers’ compensation insurance in California. We’ve helped support California’s entrepreneurial spirit since 1914 by maintaining our financial strength and open door policy of serving California’s small and large businesses across all industries. 

• Diverse and comprehensive coverage options. State Fund offers group discounts, a merit rating plan, and lower-than-average premiums in some classifications and industries.
• Claims Management and Medical Provider Network. Quality, reliable and convenient treatment services provided by a geographically diverse network of physicians and specialists that can bring peace of mind to injured employees. Our Return to Work Program helps employers transition injured employees back to work and keep claims costs down.
• Safety programs. Accident prevention, safety programs and loss control materials such as videos, posters, and pamphlets—provided free of charge to State Fund policyholders—help employers keep workplaces safe and get employees back to work more quickly.
• Fraud prevention. State Fund actively fights fraud to keep costs down for all of California. Our Special Investigation Unit (SIU) has been instrumental in both the prevention and prosecution of fraudulent activity for more than a decade.
• In it for the long haul. State Fund has never pulled out of the market, and we never will.
• Stable and financially strong. State Fund’s financial strength is the direct result of a conservatively managed investment portfolio that is diversified across issuers and sectors, and carries an average credit quality equivalent to an S&P rating of AA+.