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The State Compensation Insurance Fund, or SCIF, exclusively writes
workers' comp insurance in California. They are a competitive state fund, which means their rates can vary significantly.
SCIF offers competitive rates for companies with good claims experience and low risk class codes. They also serve as the
state's carrier of
last resort for employers who have had higher than average claims or a high experience modification rate.
business is unable to get quotes from 3 or more carriers in California, State Compensation Insurance Fund is required by
state regulations to provide access to coverage. The cost of coverage may be significantly higher than a private insurance
We compare rates from 25 workers comp companies in California.
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SCIF is a California insurance carrier. They are a competitive State Fund carrier. State Compensation Insurance Fund is an
A-Rated insurance company and writes every class of business. They offer:
Getting Service From California State Fund
P.O. Box 8192San Francisco, CA 94588
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California is one of the few states that does not utilize NCCI for the administration of the state's workers comp system. The Workers' Compensation Insurance Rating Bureau of California operates the states program instead
State Compensation Insurance Fund was formed by the state senate in 1914. They are a non-profit organization that is self-supporting based on insurance premium reserves. They are bound by state laws but operate as a quasi government entity.
SCIF is a competitive state fund. They have lower rates for desirable businesses and class codes. They also have much higher rates for high-risk industries and class codes written as the administer of California's Assigned Risk Program.
A business can either work with a licensed insurance agent appointed with SCIF or they can choose to purchase coverage directly. SCIF will not provide quotes from other insurance companies so employers benefit more from working with an agent that is able to shop multiple companies for the best rates.
While SCIF does have very competitive work comp rates for target class codes, there are a lot of excellent workers comp carriers to quote coverage with low rates and big discounts on premium. A good insurance agent negotiates rates with more carriers to ensure you get the best deal every year.
Any business that hires even a single employee in California is required to purchase a policy. The definition of employee can even include individuals a business may believe are 1099 Employees. Most corporate officers must also be included in coverage unless they are the only shareholder and file the proper exclusion documents with the insurance company.
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