ALL California employers must provide coverage for their California employees
Commercial Property Insurance For California's Businesses and Property Owners
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Commercial Property Insurance In California
Commercial Property Insurance is a common and vital part of a company’s operational needs. Whether you lease or own your office space, having property insurance will be an important part of protecting your business. Business Property Insurance provides a wide range of coverage for buildings, inventory, equipment, tools, art, construction upgrades, and much more.
Property Insurance is not rocket science, however our agents here at JVRC Insurance have the experience to make sure our clients avoid the dangers of being underinsured or simply uninsured. As one of the best insurance companies in California, JVRC Insurance prides itself in having a wide range of carriers and coverage options in order to find the most efficient and cost effective policy that’s just right for your business.
If you are a new business looking to place your first Property Insurance policy, a small to large size business looking for savings, or if you are just a California business looking for better/extra services, then JVRC insurance is your solution.
If you’re looking for an insurance company in California to handle your commercial property insurance, contact us today for a quote. We can also answer any questions or concerns you may have about commercial property insurance in California. We are just a click or a call away!
Below are a list of key coverage’s a California Commercial Property Insurance policy can provide for your business:
- Commercial Building Insurance
- Business Income and Extra Expense (replaces lost income while building is inhabitable)
- Inland Marine (movable or transportable property)
- Personal Property Coverage (a building’s contents)
- Employee Dishonesty
- Equipment Breakdown
- And much more
California Commercial Property Insurance does not typically include the listed coverage below, however we can either add them to your existing property policy or create a separate policy to provide that specific coverage.
- Earthquake
- Earth movement
- Flood
- Land
- Foundations
- And more
Contact Us for Your Commercial Property Insurance In California
Contact us for your personalized California Commercial Property quote today from the best insurance company in California!
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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.