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HEALTH INSURANCE WORKERS PENSION

Q. As an employer, can I self-insure for workers’ compensation claims?

A. Yes, but only if you have applied for and received a Certificate of Consent to Self-Insure from the Department of Industrial Relations. The director of Industrial Relations will require a private self-insuring employer to meet certain standards before issuing this certificate. Usually, only large organizations choose to self-insure. For more information, contact the Self-Insurance Plans at the Department of Industrial Relations at (213)897-1423 or (415)557-2720.

Q. What is the Workers’ Compensation Insurance Rating Bureau (WCIRB) of California?

A. The Workers’ Compensation Insurance Rating Bureau of California sometimes referred to as the Bureau. This rating organization is organized pursuant to Article 3 of the California Insurance Code, for the following purposes:

1) To provide reliable statistics and rating information for workers’ compensation insurance and employer liability insurance.

2) To collect and tabulate information and statistics for the purpose of developing premium rates to be submitted to the commissioner for issuance or approval.

3) To formulate rules and regulations in connection with pure premium rates and the administration of classifications and rating systems.

4) To inspect risks for classification or rate purposes and to furnish to the insurer/employer information concerning the rates applicable to the employers’ insurance.

5) To examine policies, daily reports, and endorsements or other evidences of insurance for the purpose of determining compliance with provisions of law and to make reasonable rules governing the submission.

6) To initiate test audits of insured employers’ payrolls and insurer’s audits of such payrolls.

7) To exchange information and experience data with rating organizations, advisory organizations, and insurers.

8) To become a member or subscriber of any lawfully authorized rate making or advisory organizations whenever membership in such organization is necessary or helpful.

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