ALL California employers must provide coverage for their California employees
Contractors Insurance for California's Businesses and More
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Contractors Insurance Services
JVRC Insurance has been providing California Contractors insurance services for almost 15 years, ensuring the safety and security for all aspects of their businesses while also providing the most competitive pricing! Contractors deal with much adversity and tremendous hardships in order to succeed and protect themselves. As we all know, the lower your overhead costs are, the more competitive and profitable your business.
It’s best to have an insurance agency that truly understands the ins and outs of your company so that you are best taken care of. JVRC Insurance specializes in the Contractor industry and can provide all the protection you may need. We are a brokerage so we are not limited to just providing one carrier or program. We have the entire California market at our fingertips for all types of California insurance for contractors to make sure we find the right policies at the right price!
Whether you are an artisan or general contractor, you should contact our contractor insurance company today and let us protect your business! We can also answer any questions or concerns you may have. We are just a click or a call away!
We can provide coverage for hard to place risks such as roofing, residential and commercial new construction, tract developments, home-owners associations, condos, mold remediation, commercial window cleaning, tree trimming, and much more!
In the state of California, contractors have a tall task with having to deal with insurance costs, rising supply costs, extensive liabilities, and much more. JVRC Insurance can help with some of these hardships by providing the proper policies to cover those liabilities. Of course, SAVING your business money is always our first priority along with making sure your company is covered for all perils while on the job.
See the full range of Contractors insurance services we can offer:
- Workers Compensation Insurance
- Commercial Auto Insurance
- General Liability Insurance
- Pollution and Mold Liability
- Corsa Construction
- Contractors Bonds
- Surety Bonds
- Tools and Equipment Coverage
- Builders Risk Coverage
- Professional Liability (E&O) Insurance
- Employment Practices Liability (EPLI)
- Commercial Property Insurance (including building coverage)
- Group Health Insurance
- And much more …
Contact Us For Contractors Insurance Services in California
Whether you need to establish a new policy, establish multiple policies, or wondering if your current policies need some adjustments, then contact us today! Even if you just have questions, we would love to help out in any way, we are just a click or a call away!
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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.