As a small business owner, you may decide that you want to switch your workers’ comp insurance provider. This may be due to the cost of premiums, the level of service, or some other reason. However, mid-term cancellations can be tricky. Below, we'll cover how and when to switch workers’ comp carriers, making the process as painless and inexpensive as possible.

As many employees have started working from home over the last few years, it raises important questions for employers: Do I need workers’ comp insurance for remote employees? Does my current workers’ compensation insurance cover remote workers? Below, we discuss this and more, so you have all the information you need.

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When looking for business insurance, you may have come across the terms "additional insured" and "loss payee." While both involve additional parties in an insurance policy, they serve different purposes. Below, we'll lay out the differences between loss payee and additional insured coverage, and how they’re used in business insurance policies, including scenarios where each comes into play.

Workers' compensation insurance is an essential safeguard for both employees and employers. It provides financial protection in the event of workplace injuries or illnesses. However, the process doesn't end with securing a policy.

Insurance companies will often audit workers’ compensation plans to make sure the premium calculations are accurate. They also want to make sure the plan is in compliance with state regulations.

When you hear that your business needs to be “bonded and insured," it might sound daunting, but what exactly does it mean? These terms are often used interchangeably, yet they represent distinct forms of protection that provide peace of mind for both businesses and their clients.

Running a small business comes with its share of challenges and responsibilities. While you focus on growth and success, it's essential not to overlook important aspects of protecting your business, including small business Employer Liability Insurance.

Let’s explore what Employer's Liability Insurance is, how it differs from Workers' Compensation, and provide five notable reasons why your small business needs it.

When it comes to running a successful business, managing risk is paramount. One of the most common and potentially costly risks that businesses face is related to their vehicles. Whether your company uses vehicles for deliveries, transporting goods, or even just for commuting purposes, having the right insurance coverage is crucial.

The JVRC Insurance team understands that COVID-19 has affected many businesses and given these unexpected circumstances business owners have several important questions. Questions such as, what do you do when one or more of your employee’s contracts COVID-19? How does this impact your workers comp policy and will coverage and or compensability be provided? These are all particularly vital and concerning questions to ask, and our goal here is to ensure that employers understand the ins and outs. In order to do so, we must discuss the presumptions bill SB 1159 and its purpose. 

Tree trimming is a valuable industry that takes care of the community while dealing with risky working environments. California tree trimmers’ and arborists’ hard work and dedication should be matched with their business insurance quote to ensure full protection from the risks they face.

Temporary staffing agencies provide valuable and unique services, as they work with and connect employers to employees. This service also comes with unique liabilities so it may seem difficult and confusing to know where to start in buying insurance for your staffing business. Thankfully, insurance for California temporary staffing agencies is less confusing than it seems. Let’s discuss what risks you should be protected against and what insurance policies can help!

When you start a new business for the first time, the process and requirements you must abide by can be overwhelming. Permits, licenses, and leases are just some of things you must be responsible for as a business owner. One of the most important aspects of starting a company is obtaining California business general liability insurance quotes. Not only must businesses’ with employees have workers comp insurance as required by California state law, but you must also go beyond those requirements to fully insure your company; and every business has different insurance needs.

Part of the appeal of a California restaurant or bar is the lively and social atmosphere but that can also bring on high and unique risks to the business owner. Serving the general public food and alcohol can result in costly lawsuits if a claim should arise however, with the right coverage that pertains to the needs of your industry and business; these risks won’t be as threatening!

Insurance Every Small Business Needs

When it comes to your California Restaurant or bar, the following policies/quotes are necessary to establishing basic, essential coverage:

As the confetti settles on our New Year’s celebration and the holidays come to an end, we are all finally easing into 2017. But what will this year bring to your business and how will this year affect the cost of your California workers comp insurance policy or future quotes? What kind of changes should be made to ensure everyone in your business is starting off this year on the right foot? With a new year ahead of us, there is no doubt that you have questions and concerns about your business and employees for the unforeseeable future.

What is a Waiver of Subrogation and how does it affect my insurance policy?

California small business owners have most likely run over the term waiver of subrogation while reviewing insurance requirements from clients. Since it is commonly requested by clients for many jobs and projects, this endorsement is something every California business owner should be aware of and even possibly add to their own commercial insurance quote(s) or policy(s). Let’s discuss what this endorsement means and why you may need it.

For customers, dining at a restaurant is a time to relax, unwind, and treat themselves. This experience is created by the restaurant owners who ensure this with every choice they make, from the menu to the theme and ambience of the building itself. Restaurant owners understand the amount of effort and dedication it takes to manage a successful establishment that also serves as a place of enjoyment for their customers.

If you don’t know, now you know, as of April 1st 2016, California has introduced a new policy with new regulations aiming to “create a workplace environment that is free from employment practices prohibited by the act” (Section 11023B). In simpler terms, this policy wants to make sure everyone is treated fairly at their workplace, void of harassment, discrimination, and retaliation.

One of the major problems facing Workers’ comp is misclassification of workers compensation class codes and payroll codes. It is estimated that almost “$22 billion of payroll is misclassified” every year. This hurdle is especially significant for those with businesses in California, where the misclassified payroll accounts for “one-third of the nationwide total”. This obviously has a huge impact on California businesses and influences how one might choose their insurance services provider. Therefore, if you are an employer, here are some things you should know:

   So, you have just successfully opened your home health care business, congratulations! Up until this point you have put tons of energy and effort into tasks like finding a location, acquiring City and State licenses, purchasing equipment and last but definitely not least, and hiring employees. Your employees are the bread and butter of your particular business they should be protected and treated accordingly. In the rest of this blog I will be helping to give you some insight into Workers Compensation industry providers and some tips and tricks to help you find the right fit for you.

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As with any insurance policy it is extremely important to take a look at the fine print so you know exactly what kind of coverage you have. This is especially true when shopping for a California commercial automobile policy. Unlike a personal auto policy these can be significantly harder to understand as they are rated using specific numbers called “symbols”. Click here for more information on commercial auto insurance.