ALL California employers must provide coverage for their California employees
Farm Labor Contractors' Workers Compensation Insurance
Or call us at (818) 735-7600
Farm Labor Contractors’ Workers’ Comp Insurance
JVRC Insurance Services is a California Commercial Insurance Agency that specializes in representing Farm Labor Contractors (FLC). We understand the licensing challenges and the regulatory complexities imposed by the California Division of Labor Standards Enforcement (DLSE). These DLSE requirements state that a Farm Labor Contractors’ workers’ in california policy and surety bond must be bound and a valid insurance certificate must be presented to the DLSE in order to obtain an initial FLC license or renew an existing license.
JVRC Insurance offers comprehensive insurance programs for Farm Labor Contractors, including access to specialty Farm Labor Contractors compensation insurance programs and alternative workers’ compensation products. Outside of payroll and taxes, workers’ comp is the single largest expense for an FLC and JVRC Insurance understands that controlling costs is the key to our clients’ success.
Additional Insurance Requirements
For a Farm Labor Contractor whose services include ground crop spraying, a specialty growers’ general liability insurance program is required and a secondary traditional FLC general liability insurance program is needed to cover losses related to harvesting operations.
Specialty Farm Labor Contractors commercial auto programs include hired and non-owned coverage, a necessary coverage needed when trucks are rented for specific jobs for a temporary period and our programs can accommodate the insurance limits that can meet any client or vendor’s contractual requirements.
Farm Labor Contractors must also address Health Care reform. JVRC has specialty products and programs that address the PPACA’s Pay-or-Play penalties, applicable to large employers (100 or more Full Time Employees) and are designed to address Part A ($2,000 fine) and Part B ($3,000 fine). These specialty products and programs allow Farm Labor Contractors to comply and convert these expenses into a line item that can be presented to clients in a simple format.
JVRC Insurance offers comprehensive Farm Labor Contractors’ insurance programs:
- General Liability
- Umbrella & Excess Liability
- Commercial Automobile
- Crime & Fidelity
- Employment Practices Liability (EPLI)
- Errors & Omissions (E&O)
- Affordable Care Act (ACA) compliant Health Benefit Insurance products.
- Workers’ Compensation Insurance
- And much more
JJVRC’s portfolio of services for Farm Labor Contractors include risk management, claims management, audit advisory, and years of experience that benefits our clients’ bottom line. JVRC Insurance understands how to represent Farm Labor Contractors and has access to specialty markets and programs, placing clients with the best carriers and rates in the market to help our clients grow.
Contact Us For Farm Labor Contractors’ Workers’ Compensation Insurance
Give us a call today whether it’s to help build your first Farm Labor Insurance program or policy, add new policies, or to restructure your current programs or policies. Contact us for a Apply for a FREE quote today.
Get a Business Insurance Quote
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.