Carrier Partner

State Fund

State-run workers' compensation carriers providing coverage where private markets are limited.

Financial rating: A (AM Best)

About State Fund

State-run workers' compensation funds are quasi-public carriers that guarantee coverage availability in their home states. They serve as the market of last resort for high-hazard classes and as competitive markets for standard risks in states like California (SCIF) and New York (NYSIF).

State funds are financially rated A (Excellent) or better and are often the only viable option for certain construction, healthcare, and staffing classifications.

Mission

"To provide fairly priced workers' compensation insurance, make workplaces safe, and restore injured workers — serving as a stable market of last resort for employers."

Program strengths

✓Workers' compensation
✓Guaranteed availability
✓High-hazard classes

Best fit

Employers in classes or states where private workers' comp markets are restricted.

Get a quote with State Fund Visit State Fund ↗

State Fund carrier comparisons

State Fund vs. Private Workers' Comp in CaliforniaState Fund never declines an eligible California employer — but that guarantee is not always the cheapest or best-serviced option. Here is how the two really compare.

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