Who We Are

Welcome to CRMBC, an elite collective of safety-driven restaurants committed to providing a revolutionary approach to workers’ compensation insurance. CRMBC stands for California Restaurant Members Benefit Corporation, a California Self-Insured Group (SIG) formed BY restaurant owners FOR restaurant owners. We are a non-profit mutual benefit corporation governed by a board of trustees who are fellow business owners. Our mission is to pool our resources and expertise to self-insure our workers, achieving sustainable cost savings and greater control over our insurance policies.

What We Do

At CRMBC, we are dedicated to reimagining workers’ compensation insurance for the restaurant industry. By opting out of traditional commercial insurance, which often uses premiums to boost substantial profits and overhead costs, we provide an alternative that focuses on:

• Alternative Insurance: We offer a self-insured model that is tailored specifically for restaurant owners, providing a more personalized approach to insurance.
• Improved Outcomes: Our safety-driven initiatives and collective resources ensure better outcomes for our members, reducing workplace injuries and promoting a safer working environment.
• Greater Control: As a self-insured group, our members have a direct say in how their insurance is managed, leading to more transparent and efficient processes.
• Cost Savings: By pooling our resources, we can achieve significant cost savings compared to traditional commercial insurance models.
• Peace of Mind: With CRMBC, you can rest assured that your workers are covered by a system designed specifically for the unique needs of the restaurant industry.

Why You Should Use Us

Choosing CRMBC means you’re opting for a community-driven approach to workers’ compensation insurance that prioritizes your needs and the well-being of your employees. Here’s why you should consider joining us:

• Expertise: Our board of trustees consists of experienced restaurant owners who understand the specific challenges and risks associated with the industry.
• Customization: We offer tailored insurance solutions that align with the unique needs of your restaurant, providing better coverage and more effective risk management.
• Collaboration: By joining CRMBC, you become part of a network of like-minded business owners who are committed to mutual success and safety.
• Transparency: Our non-profit structure ensures that any surplus funds are reinvested into the program, leading to continuous improvement and enhanced benefits for our members.
• Support: We provide ongoing support and resources to help you navigate the complexities of workers’ compensation insurance, ensuring you have the tools you need to succeed.

What Can You Ask?

At CRMBC, we encourage open communication and are here to answer any questions you may have. Here are a few examples of what you can ask us:

• How does self-insurance work and how can it benefit my restaurant?
• What are the eligibility requirements for joining CRMBC?
• Can you provide examples of cost savings achieved by other members?
• What safety initiatives do you have in place to prevent workplace injuries?
• How does CRMBC handle claims and what is the process for reporting an injury?
• What kind of ongoing support and resources do you offer to members?
• How can I stay updated with industry news and updates from CRMBC?

We are here to help you understand the full benefits of joining CRMBC and how it can transform your approach to workers’ compensation insurance. Feel free to reach out with any questions or for more information on how to become a member.