ALL California employers must provide coverage for their California employees
About JVRC
Business Insurance
Services
For more than a decade, JVRC Insurance Services has been a business insurance agency offering a full line of insurance solutions to all business types. Our versatile business insurance services stretch from our locations throughout California to our Florida location as well. We also have the ability to provide multi-state policies!
What makes us unique is our ability to offer specialized services and programs for business who have a harder time finding affordable coverage. These specialized services have allowed us access to industry specific programs for these types of risks and all others as well. We pride ourselves on having one of the highest renewal retention rates in the industry. We truly appreciate the relationships we build with our clients and cherish their business that comes with it.
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Independent Business Insurance Agency
As an independent agency we are not confined to just one carrier, we work with the assembly of insurance carriers and programs that California has to offer which allows us to truly propose the best options available. Our expert team of trained professionals have had years of experience in the commercial insurance industry and we make sure all of our necessary staff goes through the proper state licensing process.
We will provide our customers with a greater level of experience, creativity, and focus that sets us apart. We take the time to learn about our customer’s industry specific needs and create the best possible insurance program at the most competitive price. You will not be disappointed. Contact us today for a quote. We can also answer any questions or concerns you may have. We are just a click or a call away!
Free QuoteInsurance Partners
We collaborate with top-rated insurance carriers to provide you with the best coverage options and competitive rates. Our trusted partnerships allow us to tailor solutions that fit your unique business needs while ensuring reliability and strong financial backing.
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May 14, GoogleI highly recommend JVRC to anybody looking for business related insurance. I work with Zach and he goes above and beyond for every need that comes up….
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May 14, Google
Ryan is extremely friendly and informative
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May 14, Google
Competitive pricing and excellent service. Highly recommended.
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May 14, Google
I had an awkward insurance situation of which my landlord was asking for very specific wording on COI. I spent many hours and called about every…
Businesses Trust JVRC Insurance
Trusted by companies across California for expert insurance solutions.
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.