Here are just some of the brands our members franchise or own:
Contact Us Today!
SERVING CALIFORNIA
By Restaurant Owners: For Restaurant Owners
The Innovative Workers’ Comp Solution
for the restaurant Industry
The California Restaurant Mutual Benefit Corp (CRMBC) is the only Workers’ Comp Self-Insured Group for California Restaurants.
- Greater Control
- Cost Savings
- Peace of Mind
- Improved Outcomes
Stop Giving Away Your Money
For Someone Else’s Profit!
Contact Us Today!
By Restaurant Owners:
For Restaurant Owners
The Innovative Worker’s Comp Solution
for the restaurant Industry
The California Restaurant Mutual Benefit Corp (CRMBC) is the only Workers’ Comp Self-Insured Group for California Restaurants.
- Greater Control
- Cost Savings
- Peace of Mind
- Improved Outcomes
Stop Giving Away Your Money
For Someone Else’s Profit!
Contact Us Today!
SERVING CALIFORNIA
By Restaurant Owners: For Restaurant Owners
The Innovative Worker’s Comp Solution for the restaurant Industry
The California Restaurant Mutual Benefit Corp (CRMBC) is the only Workers’ Comp Self-Insured Group for California Restaurants.
- Greater Control
- Cost Savings
- Peace of Mind
- Improved Outcomes
Stop Giving Away Your Money For Someone Else’s Profit!
CRMBC
Testimonials
Stop Giving Away Your Money
For Someone Else’s Profit
Stop Giving Away Your Money For Someone Else’s Profit
DISCOVER THE POWER OF COLLABORATION
The Innovative Workers’ Comp Solution for the Restaurant Industry.
CRMBC is owned, operated and governed by its members.
Compare that to traditional insurers whose primary duty is to make a profit for their shareholders.
AVOID CATASTROPHIC COVERAGE – CHOOSE CRMBC
The Problem With Commercial
Workers Comp Insurance
CRMBC is owned, operated and governed by its members.
Compare that to traditional insurers whose primary duty is to make a profit for their shareholders.
75% of Business Overpay
More than three-quarters of small businesses overpay for workers' comp coverage.
High Premiums
Premiums can skyrocket after one bad year or even one catastrophic claim.
Lack of Transparency
The lack of transparency in insurance pricing is frustrating and confusing.
Budget Strains
High and unpredictable premiums strain a company's budget.
Poor Profit Return
Your conventional insurer retains surplus funds, increasing their profits rather than being returned to you.
The House Always Wins
Commercial work comp insurance is like a casino: The house always wins.
TESTMONIALS
What our Partners Say.
“Marmalade Cafe has been self-insuring its work comp for over 20 years because we would rather control how the money is spent than contribute to the profits of a traditional insurance company. When CRMBC performs well, we can share in our profits.“
Selwyn Yosslowitz
— Founder of Marmalade Cafe and Board Member emeritus, California Restaurant Association. Past president Los Angeles chapter CRA.
More than 75% of small businesses overpay for workers’ comp coverage.
Why Choose A Self-Insured Group?
Self-insuring allows restaurant owners to control their claims, their peace of mind, and their profits. When you self-insure, you are the house that wins.
Over the last 105 years, Self-Insurance has consistently
outperformed traditional insurance on every metric.
Power in numbers.
- CRMBC’s financial strength is backed by substantial surplus and reserves.
- Over 125 safety-conscious restaurateurs are active members of CRMBC.
- Nearly $300 million in covered payroll for members in 2023.
- Net loss ratio below 40%
- From 2022 to 2023, the net rate decreased by 3%, while the WCIRB CA average rate increased by 8%
- Founded in 2004 offering members stable rates through all economic cycles.
Interested in learning more? Contact Us Today!
Qualifying for admission to CRMBC puts you among the top-tier performers in the restaurant industry.
An elite collective of safety-driven restaurants pooling their resources to self-insure their workers’ compensation insurance.
CRMBC is a California Self-Insured Group (SIG) formed BY restaurant owners FOR restaurant owners. Choosing to opt out of commercial insurance that uses premiums to boost their substantial profits and overhead, CRMBC is a group of business-savvy restaurant owners who joined forces to self-insure their work comp for sustainable cost savings.
As a regulated California nonprofit mutual benefit corp, CRMBC is governed by a board of trustees comprised of fellow business owners.
Membership in CRMBC means partnering with an exclusive group of restaurateurs who are:
- Recognized as business trailblazers
- Leaders in the restaurant industry
- Adept at controlling their losses
- Committed to their bottom-line growth
- Understand the financial benefits of self-insurance
Industry News & Updates
CRMBC
Affiliations
