In accordance with section 1063.5 of the California Insurance Code, CIGA is required to collect initial premium charges from the member companies for the insolvency insurance provided by CIGA, in the amount necessary to pay covered claims and expenses of insolvent member insurers. The statute authorizes separate premium charges for each of the three categories of covered claims (automobile and homeowners claims, workers' compensation claims, and all other claims) that CIGA pays. It also currently limits premium charges to one percent of written premiums for any category of covered claims.

See all historical assessment information


The CIGA plan of operation, in accordance with section 1063.14 of the California Insurance Code, requires each member insurer to recoup a sum reasonably calculated to compensate the assessment paid by the member insurer through a surcharge on the premium charged for insurance policies. The amount of the surcharge shall be separately stated on either a billing or policy declaration sent to an insured. CIGA shall determine the rate of the surcharge and the collection period for each category and these shall be mandatory for all member insurers of CIGA who write business in the three categories of funding. 

See current surcharge notification letter

Frequently Asked Questions

My employee needs medical treatment. What should they do?

For emergency services, please call 911 or go to the nearest emergency room. 

For non-emergency services, your injured employee may contact their CIGA Claim Adjuster. If they do not know who their adjuster is, they may call us at 818-844-4300 and one of our receptionists will be able to identify their adjuster. Your employee may also send an email to

My company is a Member Insurer of CIGA. How do I find out about assessments or surcharges?

You may review our For Member Insurer page. If you have additional questions, please contact our Director of Finance at 818-844-4300 Ext. 267.

The unearned insurance premium refund amount is incorrect on the check that I received from CIGA. What should I do?

We welcome you to get in touch with us. Please call our Premium Research team at or 818-844-4300 Ext 166.