California Restaurant Mutual Benefit Corp (CRMBC)

At #CRMBC, working with our TPA, Pacific Claims Management, is about more than just handling your claims—it's about proactive partnership. With PCM's early claims reporting approach, surprises are minimized and costs reduced. Plus, dedicated adjusters build long-term relationships, ensuring they understand the unique needs of each restaurant. 📓 Read on here see how we can help you take control of your workers' comp strategy: https://lnkd.in/g47xTkJ5 #RestaurantOwners #WorkersComp #RiskManagement #SelfInsurance #CRMBC

❓ Is Your Workers' Comp Strategy Truly Working for You ❓ Restaurant owners often face hidden risks with traditional commercial insurance. In our latest podcast, Scott W. Gaffner, CRM,CIC, #CRMBC’s Chief Underwriting Officer, shares why self-insured groups offer a smarter, more tailored approach to managing workers' comp. 💡 The Flexibility of Self-Insurance: “We underwrite to the current situation,” Scott explains. Unlike traditional insurers, CRMBC evaluates operations in real time rather than relying solely on historical data like the X-mod. This gives restaurant owners more control over their claims and reduces unnecessary penalties. ⚠ The Danger of Low Premiums: Don't be fooled by commercial insurers offering low upfront rates.  "If we feel like we're just writing a check and not responsible for anything, we could get lost in that cycle… and now the effect is going to come up and bite me." 📺 Watch here: https://lnkd.in/gmeXMeVv 🎧 Listen here: https://lnkd.in/gfezSmXx #SelfInsurance #RestaurantOwners #WorkersComp #RiskManagement #InsuranceInsights #CRMBC

🛑 Important Cal/OSHA High Heat Alert for California Employers 🛑 As extreme heat continues to impact multiple regions across California, Cal/OSHA has issued a reminder to protect your workers from heat illness. With temperatures forecasted to reach up to 114°F this week, compliance with heat illness prevention standards is critical. Employers must ensure workers have access to adequate water, shade, and cooling rest breaks, as well as training on recognizing and preventing heat illness. For detailed guidelines and training materials, visit Cal/OSHA’s Heat Illness Prevention web page https://lnkd.in/gkJrHNeQ

Managing workers' comp claims can be costly if you run multiple restaurant locations, especially when unnecessary injuries go straight to the clinic. In our latest #podcast, Darrin Schenck from TriageNow reveals that 50% of workplace injuries in hospitality can be resolved without entering the clinical system. But here's the game changer: early intervention through nurse triage directs employees to appropriate care and helps identify fraudulent claims, such as injuries that happened outside of work. 🎧 Listen here: https://lnkd.in/gKSNKGAM 📺 Watch here: https://lnkd.in/gQpTSJdK #WorkersComp #RestaurantOwners #FraudPrevention #SelfInsurance #RiskManagement #CRMBC #SelfInsurance

📢 Big news - Miguel’s Jr. Joins CRMBC 📢 We’re excited to welcome Miguel's Restaurants to the CRMBC family! Their move to a self-insured workers' compensation program reflects a commitment to employee care and controlling costs. "With CRMBC, we’re gaining access to a network of like-minded peers and taking an active role in managing claims," said Javier Vasquez, CEO of Miguel’s Jr. "We’re confident our employees will receive faster, more effective care." We look forward to supporting Miguel’s Jr. with more personalized and effective workers' compensation solutions. 💻 Read more here: https://lnkd.in/ggCucgsV #WorkersComp #RestaurantOwners #CRMBC #SelfInsurance #MiguelsJr

It's National Cheeseburger Day. 🍔 Visit your favorite restaurant and celebrate with a delicious cheeseburger.🥳 🎉

If you run multiple restaurant locations, workers' comp fraud can be a real challenge, especially in California, where claims can quickly get out of hand. In our latest #podcast, Amanda Valencia Rodriguez from Cooper Brown, APC, shares that up to 50% of claims might have red flags pointing to potential fraud in some cases. But here's the kicker: proper documentation and involvement can make all the difference. Amanda highlights how even something as simple as documenting a verbal conversation in an email could strengthen your defense. 🎧 Listen here: https://lnkd.in/gJWMh98J 📺 Watch here: https://lnkd.in/gzA_ve5v #WorkersCompensation #RestaurantOwners #FraudPrevention #SelfInsurance #RiskManagement #CRMBC

🍽 The Self-Insured Group Advantage for Multi-Unit Franchise Owners 🍽 Joining a Self-Insured Group (SIG) could be the game-changer you need. Here are two key benefits: 1️⃣ Cost Savings & Flexibility: SIGs eliminate many traditional insurance costs, allowing you to lower premiums and keep more working capital in your business. Plus, you may even receive dividends when claims are low. 2️⃣ Better Cash Flow: SIGs offer a "pay-as-you-go" structure instead of hefty upfront payments. You pay for claims as they occur, improving cash flow and giving you more room to grow your business. 📓 Read more here: https://lnkd.in/gMGq4rZW #restaurantowners #franchisees #workerscompensation #costsavings #selfinsurance #CRMBC

📖 Handling Workers’ Comp and Wage Challenges in California Many of us are feeling the pressure with the new $20/hour minimum wage. In our latest blog, we talk with Lisa Nilmeier from Milano Restaurant Group about tackling wage challenges and keeping workers' comp costs in check with a hands-on approach. Find out how proactive management can benefit your team and your bottom line. Read more: https://lnkd.in/gNd6yt3b #restaurantmanagement #workerscomp #californiarestaurants #selfinsurance #crmbc

Attention California #restaurantowners - the Workers' Compensation Insurance Rating Bureau of California (WCIRB) has introduced six new classifications to better reflect the industry's diverse operations and risk profiles. This reclassification allows for more accurate risk assessments, enabling better loss prevention and safety management decisions. Read more here...