ALL California employers must provide coverage for their California employees
Our Boca Raton, Florida Location
Business Insurance Company in
Boca Raton, Florida
2385 NW Executive Center Dr.
Suite 100
Boca Raton, FL 33431
(561)-235-0090
Last but definitely not least is our fourth location in Boca Raton, Florida. It wasn’t a coincidence that we ended up here. Florida’s businesses and commercial insurance market are very similar to our home state of California. Whether it is the expensive and hard to place workers compensation policies, the highly demanded commercial property insurance in need for Hurricanes and other perils, or General Liability insurance to protect your business and its work, JVRC Insurance Services can do it all. With such a strong foundation and a hard working knowledgeable team, our Florida location has been able to grow into another well-oiled machine which we are proud to call a part of the family! By imbedding ourselves in this community we are able to provide our services to many more businesses in need of an honest, hardworking and experienced agency.
Although we have just one location here in Florida, our Boca Raton location can provide all business insurance lines to the entire state. JVRC Insurance can even provide multi-state policies if your Florida business has expanded. If you are still reading this then we must be doing something right, please take some time and explore our website to find out the services we provide. If you are a new or current business in need of insurance or someone who simply has a question, please do not hesitate to contact us! We are just a click or a call away!
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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.