ALL California employers must provide coverage for their California employees
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Need to request an endorsement or make changes to your current policy/policies? Please fill this form out below with the details and let us do the rest! Remember you can also request policy endorsements and changes by calling us or e-mailing your insurance agent…
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Audit Questions and Concerns
Do you have an audit coming up on a current or expired policy and need guidance? Are you unhappy with the results of a recent audit performed on one of your policies? Or do you just have an audit related question? JVRC Insurance Services can help you…
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Insurance Glossary
Let us worry about insurance terminology but just in case you are curious, search our glossary for any terms you may be curious about.
Read MoreFrequently 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.