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State Fund Today

Underwriting Changes

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We're taking a more in-depth approach to how we underwrite certain areas of our business including roofing, sports teams, and others (primarily in the construction industry). For submissions and renewals in those areas, we’ll be asking for additional information either upfront or post-bind.

While we recognize this approach may add time to the quoting and binding process for a small percentage of our customers, we believe it is necessary to help us keep our pricing as competitive as possible and continue to serve any California business that needs us over the long term. 

Roofing

We'll require a Roofing Supplemental Application prior to quoting roofing risks. This will help us collect the correct expected exposures and understand the current safety controls in place.

We'll also apply a Job Notification Endorsement to all roofers with no payroll. An underwriter will provide the policyholder with a copy of the Job Notification Endorsement and ensure the policyholder is aware that it must be completed prior to starting a job in which workers will be hired/working.

Other areas of business (primarily construction related)

We'll complete in-depth reviews of both new policies and renewals. If we require additional information, such as a Payroll Supplemental Application, we'll reach out to you directly to discuss further.

Have questions? Please call us at (888) 782-8338.