Farm Labor Contractors' Workers Compensation Insurance

Farm Labor Contractors' Workers Comp

JVRC Insurance Services is a California Commercial Insurance Agency who specializes in representing Farm Labor Contractors (FLC) and understands the licensing challenges and the regulatory complexities imposed by the California Division of Labor Standards Enforcement (DLSE). These DLSE requirements state that a Farm Labor Contractors’ Workers’ Compensation Insurance policy and surety bond must be bound and a valid insurance certificate must be presented to the DLSE in order to obtain an initial FLC license or renewal an existing license.

JVRC offers comprehensive insurance programs for Farm Labor Contractors’, including access to specialty Farm Labor Contractors’ Workers’ Compensation insurance programs and alternative Workers’ Compensation products. Outside of payroll and taxes, Workers’ Compensation is the single largest expense for an FLC and JVRC understands that controlling costs is the key to our clients’ longevity.
For a Farm Labor Contractor whose services include ground crop spraying, a specialty growers’ general liability insurance program is required and secondary traditional FLC general liability insurance program is needed to cover losses related to harvesting operations.

Specialty Farm Labor Contractors’ commercial auto programs include hired and non-owned coverage, a necessary coverage needed when trucks are rented for specific jobs for a temporary period and our programs can accommodate the insurance limits that can meet any client or vendor’s contractual requirements.

Farm Labor Contractors’ must also address Health Care reform. JVRC has specialty products and programs that address the PPACA’s Pay-or-Play penalties, applicable to large employers (100 or more Full Time Employees) and are designed to address Part A ($2,000 fine) and Part B ($3,000 fine). These specialty products and programs allow Farm Labor Contractors to comply and convert these expenses into a line item that can be presented to clients in a simple format.

JVRC Insurance offers comprehensive Farm Labor Contractors Insurance programs;

  • General Liability
  • Umbrella & Excess Liability
  • Commercial Automobile
  • Crime & Fidelity
  • Employment Practices Liability (EPLI)
  • Errors & Omissions (E&O)
  • Affordable Care Act (ACA) compliant Health Benefit Insurance products.
  • Workers’ Compensation Insurance   
  • And much more

 

JVRC’s portfolio of services for Farm Labor Contractors include, risk management, claims management, audit advisory and years of experience that benefits our clients' bottom line. JVRC understands how to represent Farm Labor Contractors and has access to specialty markets and programs, placing clients based with the best carriers and rates in the market to help our clients grow.

Give us a call today whether it’s to help build your first Farm Labor Insurance program or policy, add new policies, or to restructure your current programs or policies!