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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.

Obtain a Policy

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We know there’s a lot that goes into running a business. With so many factors to consider, the last thing you want to worry about is your workers’ comp insurance. With more than 100 years’ experience in the industry you can rest assured that your business will be taken care of by our experts in workers’ comp and workplace safety.

More than 100 years serving California businesses
Number one Workers’ Compensation Carrier in the state by number of policies and premium
Manager giving safety training to warehouse worker

Keeping Employees Safe

We offer comprehensive workplace safety services at no extra charge.

  • Our IIPP BuilderSM to help you complete your Cal/OSHA-required safety plan.
  • An online library of safety training modules for yourself and your employees.
  • Workplace safety specialists, ergonomists, and industrial hygienists to offer on-site expertise and inspections.

Learn more about our safety services and resources.

Restoring Injured Workers

Despite your best efforts to keep employees safe, sometimes accidents happen. When they do, we‘ll be there to support you. The State Fund Medical Provider Network (MPN) provides care to injured workers by qualified medical providers who specialize in treating occupational injuries.

  • Our Major Claims Team provides personal support for workers who have suffered major injuries.
  • The Return-to-Work Program helps employers and injured workers in providing modified work duties until the injured worker is fully recovered.

Find out more about how we help injured workers get back to work.

Injured worker completing physical rehabilitation
Employer using State Fund Online to easily manage her policy

Making Claims Management Easy

We’ll follow your claim from start to finish and help you through the various stages. You’ll work with a dedicated team of claim adjusters - specialists who will analyze each claim to implement a strategy to get your worker back to work while helping to lessen the impact on your business. And with State Fund Online, you’ll get up-to-date claim details, be able to message your adjuster, upload files, and more.

  • Need help understanding the claims process? We have free videos and webinars that are designed to help you understand the process, from start to finish.

Learn more about claims management services.

If you would like to work directly with a broker, visit Independent Insurance Agents and Brokers of California for a list of qualified brokers.

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