If you're a start up, State Fund, or SCIF, is your only source for Workers Comp in California.
But it doesn't mean you need to stay there.... silly!
Once you've had your trial year, so to type, the WCIRB will calculate an ExMod for you, and then you might be able to shop for better rates. Depending on the size of your payroll, and the classes you employ, you could save a good ton of money.
Which, of course, you can donate to your local Youth Rugby Team...