Submission and Quote Best Practices for State Fund of California 

To ensure you receive the most accurate quote possible, it’s important to note that State Fund’s pricing model may require details such as your past coverage history before quoting. This helps determine eligibility for available discounts and rating plans, ensuring you get the best pricing options. State Fund may also require class or industry specific questionnaires. State Fund’s questionnaires can be found on Amwins’ Access State Fund webpage www.amwins.com/asf .

Best practices for submissions with less than $500,000 in standard premium

State Fund’s online submission tool requires the following information for all quoting thresholds to ensure they have a complete picture of the business for providing the most accurate quote:

• Business name (legal name)
• DBA (Doing Business As) if applicable
• Tax ID number (FEIN, SSN, or SEIN depending on entity type)
• Proposed policy inception date and policy expiration date
• WCIRB number
• Experience modification and most recently published WCIRB experience modification worksheet, if applicable
• Entity type
• Specific coverage needs (temp agency, PEO, ADR, cannabis industry)
• Primary location address
• Addresses of other locations if applicable
• Payroll information for all locations and the number of full-time and part-time employees for each class. Help for understanding payroll and employee counts
• Primary employer contact information
• Length of time the employer has had employees
• Previous workers' compensation insurance information
• Any subcontracted work and independent contractor operations
• Prior State Fund policy information
• Detailed description of all operations, corresponding class codes, and the number of full-time and part-time employees for each class by location. Help for understanding business operations
• The applicable license number required for certain businesses (CSLB, PUC, DMV/MCP, DOT, DOSH, DSS, FLC, or SPCB). The license name must exactly match the business or trade name. Help for information on licensing
• Minimum of four years of currently valued loss runs, if applicable, valued within 100 days of the proposed inception date (effective date) of the policy, on the carrier or Third Party Administrator (TPA) letterhead. Please note, five years of loss runs are required for large accounts. Help for understanding information regarding loss runs
• Total payroll and total premium for each year for the last four years
• Complete ownership information accounting for 100% ownership. Help for understanding ownership and entities
• Exclusion status of each corporate officer or director, general partner, or managing member
• Payroll of all officers who will be included in coverage
• Waiver of subrogation or blanket waiver of subrogation

Small Commercial and Middle Market Account Submissions

Each small commercial submission (below $50,000 in standard premium) will require a post bind review after binding. During this review, you may be asked to provide additional documentation or information to more accurately define the risk characteristics and clarify the scope of coverage. This step is essential to ensure we establish the most appropriate pricing for the coverage being provided.

Each middle market submission ($50,000 to $499,999 in standard premium) will be redirected to their online submission tool for review by an underwriter. All of the requirements listed above will be necessary to provide an accurate quote for coverage.

Additional requirements for large account submissions (at least $500,000 in standard premium)

In addition to the requirements outlined already above, submissions for large accounts will need to provide the following:

• Five years of currently valued loss runs, valued within 100 days of the proposed inception date (effective date) of the policy, on the carrier or TPA letterhead
• Five years of historical payroll data and employee counts (‘estimated’ payrolls for unexpired year / ‘audited’ payrolls for prior four years)
• Current year and prospective (upcoming) year published WCIRB Experience Modification Worksheet
• A loss prevention pre-coverage inspection may be required before proceeding with a quote, if it's applicable

By gathering and submitting all necessary documentation and details early, we can streamline the quoting process and avoid any unnecessary setbacks.

If you have any questions on how to do business with State Fund of California, please reach out to our new business team at asfnewbusiness@amwins.com.

Thank you,

Your Amwins’ Access State Fund Team