My team’s feedback has been positive, and the responsiveness has been strong. Claims have been closing faster, which has made a real difference operationally. We’re excited about the future with CRMBC.
Some of the brands our members franchise or own
The Only Workers’ Comp Self-Insured Group for California Restaurants
CRMBC is owned, operated and governed by its members. Traditional insurers’ primary duty is to make a profit for shareholders.
More than 3/4 of small businesses overpay for workers' comp coverage. 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.
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. Our members are:
CRMBC is backed by an elite collective of safety-driven restaurants pooling their resources to self-insure their workers’ compensation insurance.
My team’s feedback has been positive, and the responsiveness has been strong. Claims have been closing faster, which has made a real difference operationally. We’re excited about the future with CRMBC.
I have been a member of CRMBC for over a decade. I appreciate a self-insured worker’s compensation that understands my industrial exposure to employee injury.
They worked with me to set up and execute an appropriate IIPP and thoroughly investigate and mitigate claims. CRMBC is in your corner to help you keep your employees healthy and productive so your bottom line can stay healthy too.
Why am I a member? To save money on worker’s comp!
Having someone go to the mat for you and keep claims costs down is huge. They are not like a regular insurance company; they are a partner.
I am a member because CRMBC is reliable and they are easy to work with. It provides good value and helps me protect my workers when necessary.
Good Service. Good at handling claims. Reasonable rates.
I have been a member of CRMBC for over a decade. I appreciate a self-insured worker’s compensation that understands my industrial exposure to employee injury.
We’ve done a good job keeping incidents low, the claims are handled quickly, and now our loss ratios are way down. Rebates are back because they are doing such a great job. Also, there’s good communication – they respond quickly to whatever I’ve needed. Solid group, I’ve definitely benefited from being a part of it.
Safety-Conscious Restaurateurs are Active Members of CRMBC. Since 2004, CRMBC has offered members stable rates through all economic cycles.
Nearly $300 million in covered payroll for members in 2023. CRMBC’s financial strength is backed by substantial surplus and reserves.
Net loss ratio below 40%. From 2022 to 2023, the net rate decreased by 3%, while the WCIRB CA average rate increased by 8%.
DISCOVER THE POWER OF COLLABORATION
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.
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