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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.




Products & Services Fact Sheet

Full Service

Unlike most national carriers, we are California based and maintain regional offices across the state. Clients can count on local contacts from Eureka to San Diego for reliable and friendly service.  In addition, our innovative, enhanced, and expanded on-line service makes your policies and claims information readily accessible, and electronic documents can be delivered directly to your inbox. 

Lower Costs

State Fund offers a group discount, a claims-free credit, a merit rating plan, and lower-than-average premiums in some classifications and industries. Our multiple discounts enable us to lower employers’ net costs.

Claims Services

When employees have a work-related injury, it is reassuring to know that employers can depend on State Fund with fast, reliable claims service, treatment options, and benefits. State Fund’s experienced claims staff are experts in the field—many with an average of 15 years in workers’ compensation claims.

State Fund’s Medical Care Programs

Excessive treatment costs can lead to increased premiums. Our Utilization Review Program (UR), Pharmacy Benefit Management Program, and Medical Provider Network (MPN) work together to ensure injured employees receive appropriate medical care while managing costs.

Return to Work Program (RTW)

Studies show injured employees recover faster when they return to work. Injured employees who return to work help decrease claims expenses, limit downtime, and eliminate the need for additional staff. State Fund’s Return to Work program can assist in coordinating modified or alternative work for injured employees.

In-House Fraud Investigation Unit

Effectively fighting fraud is an important step in reducing insurance rates and protecting all California businesses. State Fund’s Special Investigation Unit reviews claims for potential fraudulent activities and coordinates anti-fraud outreach programs in local communities.

Loss Control Services

State Fund believes that a safe workplace can increase worker productivity and lower the cost of doing business by preventing costly injuries. Informed planning and employer education can reduce or even eliminate the frequency and severity of workplace injuries and illnesses. State Fund’s statewide staff of professional loss control personnel helps clients develop proactive, cost-effective injury prevention programs through training, safety consultations, and access to Industrial Hygiene Specialists and ergonomics experts.

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