ALL California employers must provide coverage for their California employees
Our San Diego Location
Business Insurance Company in
San Diego
312 Highland Ave
Suite 200
El Cajon, California, 92020
(818)-735-7600
It was no coincidence that our second location was established in the lovely city of San Diego. To be able to do business in such a beautiful place and provide our commercial insurance services to the wonderful businesses that reside there is a treat to say the least. San Diego can sometimes be considered its own State due to its secluded location from the rest of California. So physically doing business in San Diego helps the connection between our insurance brokerage and our San Diego clients tremendously.
We have rightly stayed true to our belief that we must specialize and focus only on our commercial insurance services in order to keep up with the constantly growing and ever evolving industry. JVRC Insurance takes pride in the ability to help any and all businesses no matter the shape or size. The tougher the challenge the better! Whether you are a hefty blue collar company or a classic white collar business, our San Diego branch has experience and the tools to bring creative savings. Explore the rest of our website to learn more about the vast array of services our business insurance agency offers. If you’re interested in a quote, want us to review your current workers comp situation, or just simply have some questions, contact us today!
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The Corporate office started off as two men with a common dream and a common goal for creating a successful commercial insurance agency helping surrounding businesses and now we have an office filled with a dedicated team of professionals accomplishing that same goal. Not to mention the other three offices we have offering the same thing. If you are in need of our services whether you are a new business, current business, or one with questions please do not hesitate to contact us. We are just a click or a call away!
Free QuoteFrequently 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.