ALL California employers must provide coverage for their California employees
Restaurant and Bar Insurance for California's Businesses and More
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Restaurant & Bar Insurance In California
JVRC Insurance Services provides leading bar and restaurant insurance in California. Ensuring the success and longevity of your establishment involves more than just delicious food and drinks; it demands sound risk management. We offer the specialized insurance coverages essential for protecting your business, your staff, and your patrons. From general liability to liquor liability, we’ll navigate the wide range of insurance options, helping you make informed decisions to safeguard your California restaurant or bar.
Specialized Expertise In Bar And Restaurant Insurance In California
Most restaurant and bar owners are unaware of the exclusions that exist on their policies that can put them at a tremendous risk. Does your business ever have a D.J. or play live music? Do you have bouncers and or security? Do you have proper wheelchair access for entry, exit, and bathrooms? Do your employees go through alcohol safety training? Do you have the proper duct system in your kitchen? Are you open after hours? These are the types of questions that we ask in order to tailor the right policies for you. If you answered yes to some of the questions above, then many of your business practices are most likely excluded.
Whether you are a restaurant, bar, or both, contact us today and let us protect your business! We are an insurance brokerage, which means we are not tied down to just one carrier or program. We have access to all that the California insurance market has to offer and will shop everywhere until we find the most competitive and viable options that are right for your company.
Restaurant And Bar Owners Insurance
See the full range of California restaurant and bar insurance we can offer:
- Workers Compensation Insurance
- Commercial Auto Insurance
- General Liability Insurance
- Liquor Liability
- Assault and Battery Coverage
- Business Owners Policy
- Crime/Employee Dishonesty
- Employment Practices Liability (EPLI)
- Commercial Property Insurance (including building coverage)
- Group Health Insurance
- And much more …
Contact Us For Bar And Restaurant Insurance In California
Whether you need to establish a new policy, establish multiple policies, or if you’re wondering whether your current California restaurant and bar insurance policies need some modifications, then contact us today! Even if you just have questions, we would love to help out in any way!
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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.