Your Restaurant
As a restaurant business owner, you know the direct impact insurance for Workers’ Compensation has on your bottom line, year after year. This expense is compounded by the rate volatility in the California market, making it both expensive and difficult for any business owner to control.
The CRMBC offers California restaurant business owners an alternative approach to Workers’ Comp insurance, allowing greater control over risks and, therefore, costs. Stability of long-term rates is the primary reason to join the CRMBC, but there are many additional benefits for your business:
- 60% average rate reduction since program launch in 2005
- 80% of claims closed annually – getting employees back to work and limiting expenses
- Return of Excess surplus: $14,000,000 returned to member businesses in the last 6 years
- 24/7 Nurse Triage Hotline introduced in 2010 for immediate assessment of employee injuries and real savings on simple first aid incidents
Protection against severe losses
- Highest reserves in the industry, required by California law
- A-rated excess insurance for the CRMBC covers serious, or multiple claims from a single catastrophic event
Access to the CHSI Client Service Center
- Delivers 15 minute initial response time on incoming claims
- Immediate member response on all service issues
- Special training and tools for employers to prevent litigation
- Leading edge technology built for the CRMBC
Access to dedicated CRMBC Medical Provider Network (MPN)
- Customized network of thoroughly screened, quality physicians
- Continuous management by One Source Medical for quality control
- Geared toward optimized treatment of employee injuries, with an emphasis on swiftly returning healthy employees to work
Sophisticated claims management
- Member web access to real time claims data and safety support
- First Aid Bill Review, to reduce medical costs wherever possible
- CHSI Solutions Hotline: Support for work injuries and fraud reporting
- Early intervention on claims to detect problems and support employee recovery
Proven methods for reducing litigated claims and associated costs
- One Source Medical litigation management – only the most effective attorneys remain with the program
- Early and effective claims management gets employees what they need to recover and return to work
- Aggressive fraud prosecution, with proven and public success
