About Self-Insurance

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About Self-Insurance

Workers' compensation provided by employers

Self-insurance is a unique program in which the employer provides any and all appropriate benefits to the injured worker.

Read A Guide to Industrial Insurance Benefits for Employees of Self-insured Businesses (F207-085-000) to better understand employee benefits.

Self-insurance is a long-term obligation by the employer to be responsible for the payment of benefits during the time that a claim is open. The employer remains liable for benefits during a lengthy reopening period provided in industrial insurance law. This remains the employer's responsibility whether the self-insurance certification is continued or surrendered.

Labor and Industries oversees the provision of benefits to ensure compliance with its rules and regulations and reviews the financial strength of the self-insurer to ensure that workers' compensation obligations can be met.