JVRC Business Insurance Blog

Construction Contractors and Workers’ Compensation Insurance in California

If you're a construction business owner or contractor in California, you must have a good understanding of workers' compensation insurance. Workers' comp helps protect both you and your employees in case of work-related injuries or illnesses. Below, we'll cover who needs workers' comp, recent changes to requirements, and everything else you need to know about workers' comp for construction workers in California.

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How and When to Switch Workers’ Comp Carriers in California

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.

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Do I Need to Cover Independent Contractors for Workers' Comp in California?

In California, business owners of all types work with independent contractors. Whether it’s contractors for construction, freelancers for creative organizations, or workers in the gig economy, independent contractors are common. But determining how to classify workers for insurance requirements can be tricky, particularly in light of recent legislation like AB5. When it comes to workers' compensation, a common question arises: Do I need to cover independent contractors?

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Workers' Compensation for Remote Workers in California: What You Need to Know

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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Workers' Comp in California: Penalties for Non-Compliance

Workers' compensation insurance is a requirement in California for businesses that have at least one employee. It provides a safety net for both employees and employers in the form of financial assistance and protection in the event of workplace injuries or illnesses. However, failing to comply with workers' comp requirements can lead to severe consequences for businesses, including fines and other penalties. Below, we will cover the potential ramifications for not staying compliant with California law on this issue.

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Additional Insured vs Loss Payee: What’s the Difference Pertaining to California Business Policies?

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.

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How to Get California Workers' Comp Insurance for High Risk Industries

Many businesses in California struggle to find the best workers’ compensation coverage. Certain industries, labeled as high risk due to the nature of their operations, require even more specialized high risk business insurance. Acquiring workers' compensation insurance is essential, as it protects your business by providing financial protection for both employers and employees.

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What Is a Workers’ Compensation Insurance Audit?

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.

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How Does Workers’ Compensation Work?

Workers' compensation, also called workman's compensation or workman's comp, is an important safety net that protects both employees and employers in the event of workplace injuries or illnesses. It's a system designed to provide financial assistance to employees who suffer job-related injuries or illnesses while safeguarding employers from potential legal actions.

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What Does It Mean to be Bonded and Insured?

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.

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Top 5 Commercial Umbrella Liability Insurance Myths Debunked

Business insurance can at times seem like a complex issue. As a result, there are many misconceptions and myths that are often repeated in the small business community. One such area that's often misunderstood is Commercial Umbrella Insurance.

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5 Reasons Why Your Small Business Needs Employer Liability Insurance

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.

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How Much Liability Insurance Do I Need for Rental Property?

Owning and managing rental property can be rewarding, providing you with a steady source of income and potential for long-term financial growth. However, with the benefits come responsibilities, and one of the most critical aspects of being a landlord is ensuring you have the appropriate insurance coverage. Among the various insurance options available, landlord liability insurance stands out as essential.

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Why Is Auto Insurance Coverage Important For Your Business?

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.

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2022 Commercial Insurance Rates

With today’s current climate you may be wondering how these events affect your existing insurance rates. Or you may be looking to start a business and want to get a better idea about how much your California commercial insurance is going to cost. Well, JVRC Insurance Services is here to help you answer these questions! The rates for most California commercial lines of insurance are likely to rise going into 2022. Here’s what we know:

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Does Workers Compensation coverage apply to California businesses when an employee contracts COVID-19?

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. 

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Best Business Insurance Blogs

Below you will find the best business insurance blogs for the past 12 months. This list is composed of blogs that received the most views according to Google Analytics.

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Essential Business Insurance Policies for California Businesses

In any situation, too many options can be overwhelming. This can definitely be the case regarding your California business insurance coverage. With so many different types of commercial insurance policies available, some general while others more specific, deciding which coverages your business truly needs can be challenging. Here at JVRC Insurance, we can help!
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Security Guard Insurance

A vital part of any community is safety and protection, making security guards and security services extremely important. As a security guard, your job is not only valuable but also inherently dangerous. With the many risks you take for your clients, you deserve the most thorough and complete protection when it comes to business insurance.
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California Business Insurance for Arborists and Tree Trimmers

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.

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Marijuana Dispensary & Business Insurance

Mandatory California Marijuana Dispensary Business Insurance Requirements
One of the biggest changes this year for businesses and business insurance is the legalization of adult recreational marijuana. It opens up a new industry that requires its own insurance guidelines that are now set in place. If you own a marijuana dispensary, you can start to get everything you need to comply with requirements as well as fully protect your business. Let’s take a look at what marijuana business California insurance quotes you need to meet state regulations as well as some options for even more protection!

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California Employment and Staffing Agency Business Insurance

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!

 

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EPLI – Employment Practices Liability Insurance and How It Can Protect Your Company

California Business owners face many risks as they start and grow their company but many often overlook one of the biggest risks facing their business: their own employees. With the many scandals and allegations of workplace misconduct making headlines today, from Hollywood to our government, we can no longer deny how serious employee claims are to any business, whether big or small. However, business owners can obtain protection against such claims through California EPLI Insurance.

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California General Liability Coverage and why You Need it!

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.

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Are California Errors & Omissions (E&O) Insurance and California Professional Liability one in the same and does my business need it?

Being a California business owner and industry professional usually requires expert knowledge and credentials that allow much more advantages for your business, such as charging a higher rate and more validation for your clients that you fully understand the work you provide. However, those credentials and expertise can also mean more risk. Since clients expect an expert, many may be less forgiving of a mistake which can, thus, lead to a lawsuit.

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California Restaurant & Bar Insurance: Liquor Liability & Assault and Battery

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:

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How does a California Commercial Business Umbrella Policy protect my business!?

Let’s face it, at some point; we all need back up. Extra help and support can make all the difference when dealing with a challenge. The same is true when it comes to your commercial insurance policies. During the messiest of times, when your standard policies have done all they could, a quote commercial umbrella insurance policy can provide that additional coverage you need. This type of policy acts as back up coverage to assist your other policies. Let’s discuss how a commercial umbrella policy works and how it can help your business!

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The Future for California Workers Compensation Insurance in 2017

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.

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New Year’s Commercial Insurance Goals for your California Business

The New Year is almost here and gives us all the amazing opportunity for fresh start. We get to put the setbacks of this year behind us and better prepare for the coming year.  This allows us to reevaluate and reorganize to make 2017 better and more successful.  As a California business owner, a great place to start is with your commercial insurance policies. The following guidelines will help ensure you have everything your company may need for your California business insurance policies to start the New Year.

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What is a Waiver of Subrogation?

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.

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Insurance for California New Startup Businesses

Your dreams are finally happening; you are about to become your own boss as you begin the process of opening the doors to your own company and build a business in an industry that you know and have a passion for. As you start setting up your business, one key step must be taken as a new business owner and that is getting a quality business insurance quote. Since insurance companies ask for things that startup business cannot provide, such as past revenue and previous insurance losses, it may feel discouraging.

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California Restaurants and the Business Insurance Policies that Protect Them within the Food Services Industry

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.

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Insurance Coverage 101 for At-Home Businesses

As we live in a day-to-day world dominated by technology companies such as Apple, Inc., it may surprise some to know that this multi-billion dollar corporation was created out of cofounder, Steve Jobs’ very own garage.

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How California EPLI Insurance Helps Protect Your Business from New Harassment, Discrimination, and Retaliation Prevention Exposures

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.

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5 things to know when purchasing a Commercial Auto Insurance Quote for your business

Whether you have just started that company you always you dreamed of having or are ahead of the game and already have a business, insurance is always a necessity and a topic of discussion. You have your General Liability to protect your business, your workers compensation insurance to protect your hardworking employees, your property coverage to protect any properties or personal property you own, and then you have company owned vehicles that must be covered. But, you don’t know where to start and you don’t know how much it will cost you.

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Misclassification of Workers Comp Class Codes and Payroll Codes

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:

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California Workers Compensation Quotes

So, you are looking to obtain a California Workers Compensation Insurance Quote? Let me walk you through some of the process as well as give you some pointers to help make your experience go as smoothly as possible. The first thing to know is that when communicating with your broker you will be providing information about your business to them. It is very important to remember that the info you provide will depict the premium amount that your future carriers will propose. That means that you should be specific and consistent when requesting quotes for various agencies.

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Workers Compensation Providers & Home Health Care Businesses

   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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10 Highlights of 2014 in the Workers Compensation Insurance Industry

1.    California’s Workers Compensation System is 100!

In 1914 Boynton Act went into effect, also known as the Workers Compensation System.  The system is always changing and being reformed but it consistently provides crucial benefit to workers and the industries stakeholders.

2.    Number of Physician Payments Significantly Dropped

The WCIRB had predicted that the payments made to physicians would be increasing by 2.4% in 2014 when in fact they significantly dropped by 3.9%. This is a major drop for one of the largest stakeholders in the industry.

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JVRC Insurance Services is Now on Social Media!

JVRC Insurance Services is now on Twitter, Linked In, Google Plus, and Facebook. Connect with us on these sites to keep up with our latest blogs, industry news articles, changing laws, new programs we offer and much more! We pride ourselves here at JVRC Insurance in our attention to keeping up with the latest trends in the industry to better serve you, our clients.

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The Benefits of California General Liability Insurance

If you plan on starting or have started a business, you will absolutely need California general liability insurance. What does this mean? What coverage will this give me? How do you know what coverage you will need? How exactly does all of it work you ask? Please see below as I will outline it to help you gain a better understanding. For more information on California General Liability Insurance click here.

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California Commercial Auto Coverage Symbols

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.

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How to Avoid California Workers Comp Audit Surprises

When it comes to California Workers Comp Audits there is nothing more frustrating than when easily avoidable mistakes are made. This in turn causes the insured to have to pay costly premiums even after their policy period has expired.

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Safety Tips for Work

Every industry is different and safety tips for work environments will vary according to the type of work and potential work-place injuries. As an example, if you do administrative and clerical work, then potential claims will be for ergonomic, back, and other office related accidents. But the farming and contrustion industries have very complex and dangerous work environments so these safety tips can really help. Incidents like falling from scaffolding or machinery injuries are very common.

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