ALL California employers must provide coverage for their California employees
Security Guard Insurance for California's Patrol and Security Businesses
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Security Guard Insurance California
We here at JVRC Insurance Services truly enjoy and are dedicated to “protecting the protector” when it comes to the Security Guard and Private Patrol Industry. It is quite the difficult and daunting task to provide the proper protection for client properties whether in a ‘static’ security position or on a mobile patrol. Now let JVRC Insurance provide the most viable Security Guard Insurance and Patrol Insurance policy that can provide the proper protection for your business so you can feel secure as well!
Just as you must become closely acquainted with the property and people associated with your clients, we must truly understand the scope and type of security you offer your clients so we can properly provide the right coverage’s for your business. We are a brokerage which means we can offer any and all programs the State of California has to offer instead of being restrained to just one carrier or program like other agencies. We submit and shop to all viable options and find out who really deserves your business and is willing to offer accurate and affordable Security Guard Insurance and Patrol Insurance.
Are you a new business? Are you a California business possibly looking for more affordable/better insurance and or service? Or do you just have some questions? If you answered yes to any of these questions, then contact us today! Whether you are looking for workers comp, general and professional liability coverage, commercial auto, bonds, property, and or any other insurance policy for your business, JVRC Insurance can be your solution!
See below for key industry related coverage’s your business may need …
- Assault and Battery
- Lost Key Coverage
- Property Damage Theft Extension
- Crime inside and outside the premises (robbery, safe burglary, and theft of money and securities)
- Errors and Omissions
- Contractual Broad Form Excluding Sole Negligence
- Extended Bodily Injury
Contact us for your personalized Security Guard Insurance and Patrol Insurance quote today; 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.