ALL California employers must provide coverage for their California employees
Business Insurance Blog
Construction Contractors and Workers’ Compensation Insurance in California
If you're a construction business owner or contractor in California, you must have a good understanding of workers' compensation insura...
How and When to Switch Workers’ Comp Carriers in California
As a small business owner, you may decide that you want to switch your workers’ comp insurance provider. This may be due to the cost of...
Do I Need to Cover Independent Contractors for Workers’ Comp in California?
In California, business owners of all types work with independent contractors. Whether it’s contractors for construction, freelancers f...
Workers’ Compensation for Remote Workers in California: What You Need to Know
As many employees have started working from home over the last few years, it raises important questions for employers: Do I need worker...
Workers’ Comp in California: Penalties for Non-Compliance
Workers' compensation insurance is a requirement in California for businesses that have at least one employee. It provides a safety net...
Additional Insured vs Loss Payee: What’s the Difference Pertaining to California Business Policies?
When looking for business insurance, you may have come across the terms "additional insured" and "loss payee." While both involve addit...
How to Get California Workers’ Comp Insurance for High Risk Industries
Many businesses in California struggle to find the best workers’ compensation coverage. Certain industries, labeled as high risk due to...
What Is a Workers’ Compensation Insurance Audit?
Workers' compensation insurance is an essential safeguard for both employees and employers. It provides financial protection in the eve...
What Does It Mean to be Bonded and Insured?
When you hear that your business needs to be “bonded and insured," it might sound daunting, but what exactly does it mean? These terms ...
How Does Workers’ Compensation Work?
Workers' compensation, also called workman's compensation or workman's comp, is an important safety net that protects both employees an...
Top 5 Commercial Umbrella Liability Insurance Myths Debunked
Business insurance can at times seem like a complex issue. As a result, there are many misconceptions and myths that are often repeated...
5 Reasons Why Your Small Business Needs Employer Liability Insurance
Running a small business comes with its share of challenges and responsibilities. While you focus on growth and success, it's essential...
How Much Liability Insurance Do I Need for Rental Property?
Owning and managing rental property can be rewarding, providing you with a steady source of income and potential for long-term financia...
Why Is Auto Insurance Coverage Important For Your Business?
When it comes to running a successful business, managing risk is paramount. One of the most common and potentially costly risks that bu...
2022 Commercial Insurance Rates
2022 Climate for California Commercial Insurance Rate Increases
With today’s current climate you may be wondering how these events aff...
Marijuana Dispensary & Business Insurance
Mandatory California Marijuana Dispensary Business Insurance Requirements
One of the biggest changes this year for businesses and busi...
California Business Insurance for Arborists and Tree Trimmers
Tree trimming is a valuable industry that takes care of the community while dealing with risky working environments. California tree tr...
Does Workers Compensation coverage apply to California businesses when an employee contracts COVID-19?
The JVRC Insurance team understands that COVID-19 has affected many businesses and given these unexpected circumstances business owners...
Workers Compensation Providers & Home Health Care Businesses
So, you have just successfully opened your home health care business, congratulations! Up until this point you have put tons of energy ...
How to Avoid California Workers Comp Audit Surprises
When it comes to California Workers Comp Audits there is nothing more frustrating than when easily avoidable mistakes are made. This in...
The Benefits of California General Liability Insurance
If you plan on starting or have started a business, you will absolutely need California general liability insurance. What does this mea...
10 Highlights of 2014 in the Workers Compensation Insurance Industry
1. California’s Workers Compensation System is 100!
In 1914 Boynton Act went into effect, also known as the Workers Compensation Syste...
California Workers Compensation Quotes
So, you are looking to obtain a California Workers Compensation Insurance Quote? Let me walk you through some of the process as well as...
JVRC Insurance Services is Now on Social Media!
JVRC Insurance Services is now on Twitter, Linked In, Google Plus, and Facebook. Connect with us on these sites to keep up with our lat...
California Commercial Auto Coverage Symbols
As with any insurance policy it is extremely important to take a look at the fine print so you know exactly what kind of coverage you h...
Best Business Insurance Blogs
Below you will find the best business insurance blogs for the past 12 months. This list is composed of blogs that received the most vie...
Essential Business Insurance Policies for California Businesses
In any situation, too many options can be overwhelming. This can definitely be the case regarding your California business insurance co...
Security Guard Insurance
A vital part of any community is safety and protection, making security guards and security services extremely important. As a security...
California Employment and Staffing Agency Business Insurance
Temporary staffing agencies provide valuable and unique services, as they work with and connect employers to employees. This service al...
EPLI – Employment Practices Liability Insurance and How It Can Protect Your Company
California Business owners face many risks as they start and grow their company but many often overlook one of the biggest risks facing...
California General Liability Coverage and why You Need it!
When you start a new business for the first time, the process and requirements you must abide by can be overwhelming. Permits, licenses...
Are California Errors & Omissions (E&O) Insurance and California Professional Liability one in the same and does my business need it?
Being a California business owner and industry professional usually requires expert knowledge and credentials that allow much more adva...
California Restaurant & Bar Insurance: Liquor Liability & Assault and Battery
Part of the appeal of a California restaurant or bar is the lively and social atmosphere but that can also bring on high and unique ris...
How does a California Commercial Business Umbrella Policy protect my business!?
Let’s face it, at some point; we all need back up. Extra help and support can make all the difference when dealing with a challenge. Th...
The Future for California Workers Compensation Insurance in 2017
As the confetti settles on our New Year’s celebration and the holidays come to an end, we are all finally easing into 2017. But what wi...
New Year’s Commercial Insurance Goals for your California Business
The New Year is almost here and gives us all the amazing opportunity for fresh start. We get to put the setbacks of this year behind us...
What is a Waiver of Subrogation?
What is a Waiver of Subrogation and how does it affect my insurance policy?
California small business owners have most likely run ov...
Insurance for California New Startup Businesses
Your dreams are finally happening; you are about to become your own boss as you begin the process of opening the doors to your own comp...
California Restaurants and the Business Insurance Policies that Protect Them within the Food Services Industry
For customers, dining at a restaurant is a time to relax, unwind, and treat themselves. This experience is created by the restaurant ow...
Insurance Coverage 101 for At-Home Businesses
As we live in a day-to-day world dominated by technology companies such as Apple, Inc., it may surprise some to know that this multi-bi...
How California EPLI Insurance Helps Protect Your Business from New Harassment, Discrimination, and Retaliation Prevention Exposures
If you don’t know, now you know, as of April 1st 2016, California has introduced a new policy with new regulations aiming to “create a ...
5 things to know when purchasing a Commercial Auto Insurance Quote for your business
Whether you have just started that company you always you dreamed of having or are ahead of the game and already have a business, insur...
Misclassification of Workers Comp Class Codes and Payroll Codes
One of the major problems facing Workers’ comp is misclassification of workers compensation class codes and payroll codes. It is estima...
Safety Tips for Work
Every industry is different and safety tips for work environments will vary according to the type of work and potential work-place inju...
2022 Commercial Insurance Rates
2022 Climate for California Commercial Insurance Rate Increases
With today’s current climate you may be wondering how these events aff...
Best Business Insurance Blogs
Below you will find the best business insurance blogs for the past 12 months. This list is composed of blogs that received the most vie...
New Year’s Commercial Insurance Goals for your California Business
The New Year is almost here and gives us all the amazing opportunity for fresh start. We get to put the setbacks of this year behind us...
Insurance for California New Startup Businesses
Your dreams are finally happening; you are about to become your own boss as you begin the process of opening the doors to your own comp...
Why Is Auto Insurance Coverage Important For Your Business?
When it comes to running a successful business, managing risk is paramount. One of the most common and potentially costly risks that bu...
California Commercial Auto Coverage Symbols
As with any insurance policy it is extremely important to take a look at the fine print so you know exactly what kind of coverage you h...
5 things to know when purchasing a Commercial Auto Insurance Quote for your business
Whether you have just started that company you always you dreamed of having or are ahead of the game and already have a business, insur...
Top 5 Commercial Umbrella Liability Insurance Myths Debunked
Business insurance can at times seem like a complex issue. As a result, there are many misconceptions and myths that are often repeated...
How does a California Commercial Business Umbrella Policy protect my business!?
Let’s face it, at some point; we all need back up. Extra help and support can make all the difference when dealing with a challenge. Th...
Additional Insured vs Loss Payee: What’s the Difference Pertaining to California Business Policies?
When looking for business insurance, you may have come across the terms "additional insured" and "loss payee." While both involve addit...
What Does It Mean to be Bonded and Insured?
When you hear that your business needs to be “bonded and insured," it might sound daunting, but what exactly does it mean? These terms ...
5 Reasons Why Your Small Business Needs Employer Liability Insurance
Running a small business comes with its share of challenges and responsibilities. While you focus on growth and success, it's essential...
How Much Liability Insurance Do I Need for Rental Property?
Owning and managing rental property can be rewarding, providing you with a steady source of income and potential for long-term financia...
The Benefits of California General Liability Insurance
If you plan on starting or have started a business, you will absolutely need California general liability insurance. What does this mea...
Essential Business Insurance Policies for California Businesses
In any situation, too many options can be overwhelming. This can definitely be the case regarding your California business insurance co...
California General Liability Coverage and why You Need it!
When you start a new business for the first time, the process and requirements you must abide by can be overwhelming. Permits, licenses...
What is a Waiver of Subrogation?
What is a Waiver of Subrogation and how does it affect my insurance policy?
California small business owners have most likely run ov...
Construction Contractors and Workers’ Compensation Insurance in California
If you're a construction business owner or contractor in California, you must have a good understanding of workers' compensation insura...
Marijuana Dispensary & Business Insurance
Mandatory California Marijuana Dispensary Business Insurance Requirements
One of the biggest changes this year for businesses and busi...
California Business Insurance for Arborists and Tree Trimmers
Tree trimming is a valuable industry that takes care of the community while dealing with risky working environments. California tree tr...
Security Guard Insurance
A vital part of any community is safety and protection, making security guards and security services extremely important. As a security...
California Employment and Staffing Agency Business Insurance
Temporary staffing agencies provide valuable and unique services, as they work with and connect employers to employees. This service al...
California Restaurant & Bar Insurance: Liquor Liability & Assault and Battery
Part of the appeal of a California restaurant or bar is the lively and social atmosphere but that can also bring on high and unique ris...
California Restaurants and the Business Insurance Policies that Protect Them within the Food Services Industry
For customers, dining at a restaurant is a time to relax, unwind, and treat themselves. This experience is created by the restaurant ow...
Insurance Coverage 101 for At-Home Businesses
As we live in a day-to-day world dominated by technology companies such as Apple, Inc., it may surprise some to know that this multi-bi...
JVRC Insurance Services is Now on Social Media!
JVRC Insurance Services is now on Twitter, Linked In, Google Plus, and Facebook. Connect with us on these sites to keep up with our lat...
EPLI – Employment Practices Liability Insurance and How It Can Protect Your Company
California Business owners face many risks as they start and grow their company but many often overlook one of the biggest risks facing...
Are California Errors & Omissions (E&O) Insurance and California Professional Liability one in the same and does my business need it?
Being a California business owner and industry professional usually requires expert knowledge and credentials that allow much more adva...
How California EPLI Insurance Helps Protect Your Business from New Harassment, Discrimination, and Retaliation Prevention Exposures
If you don’t know, now you know, as of April 1st 2016, California has introduced a new policy with new regulations aiming to “create a ...
Safety Tips for Work
Every industry is different and safety tips for work environments will vary according to the type of work and potential work-place inju...
Construction Contractors and Workers’ Compensation Insurance in California
If you're a construction business owner or contractor in California, you must have a good understanding of workers' compensation insura...
How and When to Switch Workers’ Comp Carriers in California
As a small business owner, you may decide that you want to switch your workers’ comp insurance provider. This may be due to the cost of...
Do I Need to Cover Independent Contractors for Workers’ Comp in California?
In California, business owners of all types work with independent contractors. Whether it’s contractors for construction, freelancers f...
Workers’ Compensation for Remote Workers in California: What You Need to Know
As many employees have started working from home over the last few years, it raises important questions for employers: Do I need worker...
Workers’ Comp in California: Penalties for Non-Compliance
Workers' compensation insurance is a requirement in California for businesses that have at least one employee. It provides a safety net...
How to Get California Workers’ Comp Insurance for High Risk Industries
Many businesses in California struggle to find the best workers’ compensation coverage. Certain industries, labeled as high risk due to...
What Is a Workers’ Compensation Insurance Audit?
Workers' compensation insurance is an essential safeguard for both employees and employers. It provides financial protection in the eve...
How Does Workers’ Compensation Work?
Workers' compensation, also called workman's compensation or workman's comp, is an important safety net that protects both employees an...
Does Workers Compensation coverage apply to California businesses when an employee contracts COVID-19?
The JVRC Insurance team understands that COVID-19 has affected many businesses and given these unexpected circumstances business owners...
Workers Compensation Providers & Home Health Care Businesses
So, you have just successfully opened your home health care business, congratulations! Up until this point you have put tons of energy ...
How to Avoid California Workers Comp Audit Surprises
When it comes to California Workers Comp Audits there is nothing more frustrating than when easily avoidable mistakes are made. This in...
10 Highlights of 2014 in the Workers Compensation Insurance Industry
1. California’s Workers Compensation System is 100!
In 1914 Boynton Act went into effect, also known as the Workers Compensation Syste...
California Workers Compensation Quotes
So, you are looking to obtain a California Workers Compensation Insurance Quote? Let me walk you through some of the process as well as...
The Future for California Workers Compensation Insurance in 2017
As the confetti settles on our New Year’s celebration and the holidays come to an end, we are all finally easing into 2017. But what wi...
Misclassification of Workers Comp Class Codes and Payroll Codes
One of the major problems facing Workers’ comp is misclassification of workers compensation class codes and payroll codes. It is estima...
Frequently Asked Questions about Business Insurance
Why is California Workers Comp Insurance so expensive?
Largely because of claims that occur, experience modifications, fraud and payroll amounts statewide
Where do we get the information we post on our blog site?
The Department of Insurance website, The WCIRB, The Insurance Journal and many other trusted sources
What is an experience modification?
It’s a percentage that compares the payroll and loss history of your company to a similar-sized company within the same industry. For example, if a company has a better than average loss record, their experience modification would be less than 100%. If that is the case you would receive a credit on your Workers Comp rates. If that is not the case however it would result in the opposite, an increase in rates. The experience modification can be closely compared to an individual’s credit score.
Why is Workers Compensation Insurance a necessary requirement?
It is illegal in the state of California to not carry it. There will be penalties, fines and many other consequences if a worker is injured and you do not carry it. Furthermore if there is a claim and you do not have California Workers Compensation Insurance at the time the employer is still liable for all costs relating to the injury which can be devastating to any company.
How does your insurance carrier determine what your experience modification number is?
This is calculated based on your payroll, premium paid and by your reported losses for the last three consecutive years
Who regulates and makes California Workers Compensation laws?
The Department of Insurance regulates the laws and the State Senate makes them
What is a Classification or a class code?
It’s a component used determine the price an employer pays for their workers’ comp insurance premium. Classifications are established for each industry and typically include all jobs or operations within a particular business.