Under California law, an employer is legally obligated to provide benefits to its employees for injuries that arise out of, and in the course of, employment. Employers may choose coverage for workers’ compensation from the commercial insurance market or elect to self-insure for this exposure. As public agencies, VIPJPA members have elected to self-insure and share their workers’ compensation coverage and risks in a pooling environment.
The Workers’ Compensation Fund was established on July 1, 1987, to account for the self-insured and excess coverage for workers’ compensation claims. The program year runs from July 1 to June 30.
The VIPJPA’s insurance coverages, deductibles, and self-insured retentions (SIR) are as follows for the Workers’ Compensation Fund: