State Fund Workers' Comp Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City that places State Fund workers' compensation for California employers as a broker. Each year we review our State Fund clients' experience mod and claims history, compare the renewal with the private carriers we can access, and recommend a move only when it makes financial and business sense.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- Created by California Law in 1914
- California Workers' Comp
- 850+ Five-Star Google Reviews
- CLCS Commercial Designation
- Local Yuba City Office
California's Public Workers' Comp Fund
The State Compensation Insurance Fund, known as State Fund, was created by the California Legislature in 1914 to write workers' compensation for California employers and to serve as the insurer of last resort. It is a self-supporting public enterprise fund, and the State of California is not liable for its obligations. State Fund is one of the largest workers' comp insurers in California.
The last resort role is written into California law. Under Insurance Code section 11784, State Fund may decline a risk that does not meet workplace safety requirements or that is beyond the fund's safe carrying capacity, but otherwise it may not refuse a workers' comp risk that is tendered with the premium. Employers can buy State Fund coverage directly or through a broker with an established relationship with State Fund, such as Oakview.
How We Review State Fund Policies Each Year
State Fund is the right fit for many employers. Our job is to check every year that it still is.
Experience Mod
For employers eligible for experience rating, the Workers' Compensation Insurance Rating Bureau (WCIRB) calculates the mod. We review the rating worksheet with you and look for payroll or claim errors that can push it up.
Claims History
Open claims and how they are reserved affect your mod and your options. We go over your loss runs and help you put return-to-work and safety practices in place.
Classifications
Workers' comp rates follow the classification of each employee's work. We check that your payroll is in the right classes before every renewal.
Renewal Comparison
We compare your State Fund renewal with the private carriers we can access on price, coverage, and service. When a move makes financial and business sense, we show you why; when State Fund is still the better fit, we tell you that too.
What a State Fund Policy Covers
| Coverage | What it pays for |
|---|---|
| Medical treatment | Reasonable and necessary care for a covered work injury or illness, such as doctor visits, hospital care, therapy, and prescriptions |
| Temporary disability | Partial wage replacement while an injured employee is recovering and cannot work |
| Permanent disability | Payments when a work injury leaves a lasting impairment, rated under California rules |
| Supplemental job displacement | A voucher for retraining when an injured employee cannot return to the old job |
| Death benefits | Benefits to qualifying dependents after a fatal work injury |
| Employer's liability | Certain lawsuits against the employer that arise from a work injury, subject to policy terms, limits, and exclusions. It does not replace the workers' comp benefits above. |
California sets the benefits. Coverage is subject to State Fund underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on State Fund
A business that buys directly from State Fund handles its own renewal comparison. With Oakview, a local office does that work every year and stays with you through audits, certificates, and claims questions. State Fund is one of the markets we use alongside our access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. For how California workers' comp works in general, see our workers' compensation insurance page.
Our team is 20 dedicated insurance professionals, and two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Place State Fund Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with employers in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
State Fund Workers' Comp Questions, Answered
Does Oakview place State Fund coverage?
Yes. Oakview Insurance Services is an independent agency that places and services State Fund workers' compensation for California employers as a broker. We are not a State Fund employee.
Can I buy directly from State Fund?
Yes. State Fund sells workers' comp directly and through brokers that have an established business relationship with it. The difference with a broker is the yearly review: we look at your experience mod, claims history, and classifications, and compare your renewal with the private carriers we can access. If you buy direct, that comparison is up to you.
Does State Fund have to insure any California employer?
Nearly. Under California Insurance Code section 11784, State Fund may decline a risk that does not meet workplace safety requirements or that is beyond the fund's safe carrying capacity. Otherwise, it may not refuse a workers' comp risk that is tendered with the premium. That is why State Fund is often called California's workers' comp insurer of last resort.
Will Oakview move my policy away from State Fund?
Only when it makes financial and business sense. Each year we compare your State Fund renewal with the private carriers we can access, looking at price, coverage, and service. Some employers move when their mod and claims history improve; many stay with State Fund because it is the right fit. Either way, you decide.
What is an experience mod?
Your experience modification, or mod, compares your past workers' comp claims with what is expected for businesses like yours. In California, the Workers' Compensation Insurance Rating Bureau (WCIRB) calculates it. The WCIRB calculates mods for employers that are eligible for experience rating, and not every employer qualifies. A mod above 1.00 generally increases the experience-rated portion of your premium, and a mod below 1.00 generally reduces it. Your final premium also depends on other rating factors. If you have a mod, we review your rating worksheet each year for errors.
Is workers' compensation required in California?
California requires nearly every business with employees to carry workers' compensation insurance, even with a single employee. Operating without it can lead to a stop order and state penalties.
How do I get a State Fund quote through Oakview?
Fill out our online quote form or call (530) 674-5054. We will ask about your business, payroll, employees, and claims history, then get a State Fund quote and compare it with the other markets that fit. You can start the request before every document is ready.
Does Oakview serve State Fund clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing State Fund policyholders can find claims and billing contacts on our carriers page.
Talk to a Local State Fund Agent
Tell us about your business and your current policy, and we will get a State Fund quote and compare it with the other markets that fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | State Fund and the State Fund logo are trademarks of their respective owner. Oakview Insurance Services is an independent insurance agency that places coverage with State Fund as a broker and is not owned or operated by State Fund. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.