History of Self-Insured Groups

In 1994, legislation in California was signed into law authorizing groups of private employers to form workers’ compensation group self-insurance programs. Because of the implementation of open rating in 1995, rates declined to historic lows over the next few years. As a result, employers did not begin to take advantage of the money saving opportunities group self-insurance offered until 2002 when the first group workers' compensation program was approved. Since then, many more employers have discovered that self-insurance is a very cost effective means of taking control over their workers’ compensation insurance responsibilities.

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SIG Self-Insurance by the Numbers

• $7 Billion total self-insured payroll
• 234,227 CA Workers covered by self-insurance
• 25 CA Groups are active self-insurers
• 1,770 CA Group members are active self-insurers
• $214 Million Estimated Claims Reserves (EFL)
• $100 Million Medical and Indemnity payments
• 4,772 Open Workers’ Compensation cases