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California’s state workers’ comp fund

The State Compensation Insurance Fund of California is the nation’s largest workers’ comp insurer, and by a significant margin. The Fund has experienced tremendous growth in the last few years, driven by the exit or demise of several competing carriers, and the reluctance on the part of many carriers to write business in California around the turn of the millennium.
As the insurer of last resort, SCIF found itself writing thousands of policies when other carriers pulled out or tightened underwriting guidelines.
Peter Rousmaniere, a good friend and incisive expert on the workers’ comp industry, has written a highly readable, and quite damning, report on the Fund that appears in Risk and Insurance. I highly recommend it.

Joe Paduda is the principal of Health Strategy Associates



A national consulting firm specializing in managed care for workers’ compensation, group health and auto, and health care cost containment. We serve insurers, employers and health care providers.



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