Group Self-Insurance

Group self-insurance is an innovative approach to traditional workers’ compensation insurance.  Group self-insurance allows businesses of related industries to join together to self-insure their workers’ compensation liability as a group.  Members of a self-insured group seek greater control and improved efficiencies managing their workers’ compensation costs.

 

  • Benefits of Group Self-Insurance include:
  • Lower rates than traditional insurance or the State Fund
  • Long term rate stability
  • Regulatory oversight
  • Potential return of contribution
  • Board of Trustee oversight
  • State certified and industry specific safety and loss control programs
  • Excess and aggregate insurance coverage provided by “A” rated national insurance carrier

Our Groups

California Truckers Safety Association

The California Truckers Safety Association (CTSA) is made up of trucking employers throughout the state. CTSA was formed in 2003with 6 members and has grown to include over 60 members.

A Board of Trustees selected from the CTSA’s membership conducts oversight of the group. CTSA is approved and regulated by the California Department of Industrial Relations and the Office of Self-Insurance Plans.

CTSA is selective in their membership and only employers committed to safety and loss control are considered. Prospective members undergo a thorough underwriting process before an offer of membership is extended.

Safety conscious employers partnered with aggressive claims management and experienced program administrators have helped the CTSA develop into one of the premier self-insured groups in the state of California.

Food Products of California Workers’ Compensation Program

Food Products of California Workers’ Compensation Program was formed in 2006 and is made up of businesses in the food processing industry.

A Board of Trustees selected from the Group’s membership conducts oversight of the program. Food Products of California is approved and regulated by the California Department of Industrial Relations and the Office of Self-Insurance Plans.

Food Products of CA is selective in their membership and only employers committed to safety and loss control are considered. Prospective members undergo a thorough underwriting process before an offer of membership is extended.

Safety conscious employers partnered with aggressive claims management and experienced program administrators are the cornerstones of this Group and have laid a solid foundation for continued growth.

Northern California Auto Dealers Self-Insurance Group

Established in 2007, Northern California Auto Dealers Self-Insurance Group serves only the best in class, safety conscious autodealerships in California.

A Board of Trustees conducts oversight of the program. The trustees are selected from the group’s membership which allows employers to be personally involved and participate in the program’s development and direction. Northern California Auto dealers is approved and regulated by the California Department of Industrial Relations and the Office of Self-Insurance Plans.

Northern California Auto Dealers is selective in their membership and only employers committed to safety and loss control are considered. Prospective members undergo a thorough underwriting process before an offer of membership is extended.

Safety conscious employers partnered with aggressive claims management and experienced program administrators have helped Northern California Auto Dealers consistently keep members’ rates well below traditional or state funded insurance year after year.

Entertainment Employees Workers’ Compensation Program

Entertainment Employees Workers’ Compensation Program was formed in 2007 for businesses owners involved in the nightclub,restaurant, and entertainment industry.

A Board of Trustees selected from the Group’s membership is responsible for oversight of the program. Entertainment Employees is approved and regulated by the California Department of Industrial Relations and the Office of Self-Insurance Plans.

Prospective members undergo a thorough underwriting process before an offer and membership is extended. Entertainment Employees Workers’ Compensation Program looks for members with a strong culture of safety and loss control.

The long term stability and growth of the Entertainment Employees Workers’ Compensation Program is directly attributed to the partnership of safety conscious employers, an experienced program administrator, and aggressive claims management.

Pennsylvania Home Care & Human Services Workers’ Compensation Trust

Pennsylvania Home Care & Human Services Workers’ Compensation Trust (PAHC) was formed in 2008. The group includes employers in the home care nursing and human services industry.

A Board of Trustees selected from the PAHC’s membership provides oversight of the program. PAHC is approved and regulated by the Pennsylvania Department of Labor & Industry Workers’ Compensation Bureau.

PAHC is selective in their membership and only employers committed to safety and loss control are considered. Prospective members undergo a thorough underwriting process before an offer of membership is extended.

The success and growth of PAHC is the result of safety conscious employers working hand in hand with an experienced program administrator and aggressive claims management.

 

Learn More