Under Labor Code 3211, which term describes the entity that includes the State Compensation Insurance Fund and any private insurer authorized to insure employers against compensation liability?

• A. Policyholder
• B. Self-insurer
• C. Insured
• D. Insurer

Answer: (C)

Under California workers’ compensation law, the term that describes the entity that includes the State Compensation Insurance Fund and any private insurer authorized to insure employers against compensation liability is insurer. These organizations are the providers of coverage, not the recipients. The policyholder is the employer who buys the policy, the insured is the party covered by the policy, and a self-insurer is an employer who funds its own workers’ compensation obligations rather than purchasing insurance. So, the group that encompasses SCIF and private insurers is the insurers.