FASIS offers a joint protection program to its member districts. Coverage includes workers' compensation and common-law employer's liability risks. When an employee sustains an injury or illness that arises out of and in the course of employment, FASIS provides first dollar coverage up to a limit of $500,000 per occurrence.
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, FASIS members have elected to self-insure and share their workers' compensation coverage and risks in a pooling environment.
About the FASIS Workers' Compensation Program
The workers' compensation program also extends to include excess coverage above the pool's threshold through the Local Agency Workers' Compensation Excess Joint Powers Authority (LAWCX), up to statutory coverage limits. Specific coverage includes:
- First Layer Excess Coverage provided through LAWCX - $500,001 to $5,000,000 (including 4850 benefits).
- Second Layer Excess Coverage provided through LAWCX through the California State Association of Counties - Excess Insurance Authority (CSAC-EIA) - $5,000,001 to statutory coverage limits.
- Employer's Liability Coverage (through LAWCX) - $5,000,000.
The rates for FASIS are competitive in the workers' compensation coverage market, often being 40% to 44% less than other providers. Member premiums are calculated based upon an exposure base (a payroll equivalency basis for safety, non-safety and volunteers), an actuarially-determined rate, and the member's respective experience factor (losses), which is equitably determined amongst the FASIS members.
FASIS provides workers' compensation claims oversight through a dedicated, experienced Workers' Compensation Manager who conducts quarterly claims reviews of the claims program to assure quality claims handling and serves as a resource for member districts regarding workers' compensation concerns or questions. This emphasis on experience, oversight, and resource have resulted in reduced claims costs and claims resolution to the benefit of FASIS members. A new feature that is available to members is that now members can electronically file a claim with Athens through the FASIS website.