ALL California employers must provide coverage for their California employees
Specialty Small Business Insurance
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Specialty Small Business Insurance California
Business insurance for small specialty business is a must in California and anywhere else for that matter. If you are planning a special event, own a restaurant or bar, hire farm laborers, are a temp staffing agency, or any other type of business then you need insurance. You can’t afford not to at least get a quote. If you have any questions, please feel free to contact us and we will get back to you promptly!
Special Event Insurance in California
Putting on a Special Event such as a concert, conference, workshop, or wedding can be extremely rewarding and at the same time be quite a task to take on. There...
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...
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...
Farm Labor Contractors’ Workers’ Comp Insurance
JVRC Insurance Services is a California Commercial Insurance Agency that specializes in representing Farm Labor Contractors (FLC). We understand the licensing challenges and the regulatory complexities imposed by the California...
Auto Dealer Workers’ Comp
An auto dealership requires a wide variety of well-trained employees in order to operate efficiently. In order to protect them and your business, an auto dealer workers' compensation insurance policy...
PEO Insurance In California
PEOs, or Professional Employer Organizations, provide small businesses with services that reduce their administrative tasks, making them more competitive while providing cost savings. These services include payroll, benefits, HR, risk...
Home Healthcare Insurance Services
Caring for individuals in their homes is an essential profession, but it's not without risks. JVRC Insurance wants to ensure your home healthcare aide business is well-prepared for the unique...
Legal Malpractice Insurance Company In California
Legal professionals in California, like elsewhere, are susceptible to the risk of professional liability claims. To shield your practice from the financial implications of these claims, legal malpractice insurance is...
Restaurant & Bar Insurance In California
JVRC Insurance Services provides leading bar and restaurant insurance in California. Ensuring the success and longevity of your establishment involves more than just delicious food and drinks; it demands sound...
Technology Business Insurance
Businesses in the technology industry are involved in one of the most dynamic and pioneering industries in the world! Technology business insurance is so vital considering that Technology is forever...
Temporary Staffing Insurance California
Insuring Temporary Staffing Companies in California are a tough risk for any and all Workers’ Compensation carriers. Carriers have difficulty underwriting a temporary employee due to the number of class...
Tree Trimming Business Insurance
JVRC Insurance Services is committed to providing the most viable but cost effective coverage’s for tree trimming businesses because we understand the challenges they face when buying insurance, especially workers...
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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, GoogleRyan is extremely friendly and informative
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May 14, GoogleCompetitive pricing and excellent service. Highly recommended.
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May 14, GoogleI 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.