What Is A Self Insured Group?


Self Insured Groups are regulated alternatives to traditional insurance that are approved by the State of California to provide workers’ compensation benefits to member employers. A self insured group is a California Not-for-Profit Mutual Benefit Corporation run by a Board of Trustees.

sig groups

A self insured group is made up of the following parts:

  • Members who share a common industry
  • A Board of Trustees
  • An Administrator
  • Third Party Claims Administrator (TPA)
  • Safety and Loss Control services
  • Independent Accountants and Actuaries
  • Excess Insurance Carrier

Each self insured group is reviewed, approved and monitored by California’s Department of Industrial Relations, Office of Self Insurance Plans (OSIP). Just as each self insured group is reviewed and approved, each member of a self insured group is similarly reviewed to ensure that individual employers meet the requirements of membership. A self insured group is a “shared-risk” pool, with joint and several liability among members.