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Established in 1914 by the state legislature, State Fund is California's most reliable 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, helping California employers keep their workplaces safe, and restoring injured workers.

Requirements to Purchase an ADR Policy and Participate in the State Fund ADR Program


To participate in State Fund’s ADR program, the employer must:

  • Be a signatory employer member of a Carve-out agreement negotiated with the union that represents your employees.
  • Sign a workers’ compensation addendum, which formalizes use of an ADR system.
  • Remain in good standing with the union.
  • Maintain the appropriate business licenses for the industry.
  • Satisfy all state eligibility requirements under the Labor Code and the Insurance Code and related regulations.
  • Meet State Fund’s underwriting criteria for a workers’ compensation policy and timely pay the premium for the insurance policy. 


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

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