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California Restaurant mutual Benefit Corporation is a California Workers’ Compensation self-insured group for the restaurant, country club, and hospitality industry.

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California Restaurant Mutual Benefit Corporation or CRMBC is an elite collective of safety-driven companies who’ve pooled their resources to self insure insurer “their workers compensation insurance”. CRMBC started in December 2004 to serve the restaurant, country club, and hospitality communities throughout the Golden State.

CRMBC puts the membership in control since it is governed by a Board of Trustees elected by the membership. Membership is only offered to those who have demonstrated a solid commitment to superior operations and have gone through a thorough an underwriting evaluation.

CRMBC is the overseen by the California Department of Industrial Relations, Office of Self Insured Plans and performs an independent financial audit and actuarial study on a yearly basis. The group also purchases Excess Insurance Coverage from an admitted carrier. The loss control program and claims management are an integral part of California Restaurant Mutual Benefit Corporation.

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Claims Management

Injury claims must be handled promptly, professionally and aggressively. Aggressive claims management starts the minute a claim occurs. It entails gathering information from supervisors and witnesses, verifying that the claim occurred legitimately and that the worker is due benefits. It also means working with the medical providers to ensure proper, complete and adequate care while avoiding over-treatment and unnecessary procedures.

All legitimately injured workers should get the benefits they deserve, promptly and without hassles. On the other hand, all fraudulent claims should be investigated, shut down, and fraud perpetrators referred for prosecution. The TPA investigates all suspicious claims, performs surveillance on suspected fraudulent practitioners and takes advantage all available legal remedies and courses of action.

Claims or incidents should be reported immediately to:

American Claims Management (ACM)



Loss Control

Loss Prevention & Safety

Whether it’s a training session for supervisors or a seminar for all of your employees, we will help train your workers and supervisors to implement safety programs that will keep your employees as safe as possible.

CRMBC believes that safety training reduces losses in two ways:

First, safety training can cut down on the frequency of accidents. If there are less accidents overall, there are less claims to be paid. This can help keep costs low, and even reduce costs over time.

Second, safety training and implementation of safety measures can reduce the severity of accidents. Cutting down the number of severe accidents will reduce costs, as well.

Safety Training For IIPP Program Managers, Safety Directors, Managers, Supervisors and Workers is an integral part of CRMBC.

Your loss control representative will go over the safety program in detail.

Loss Prevention Specialists (LPS) provides safety and loss control services to members of CRMBC. For anything regarding your loss control program, contact your LPS representative or call the office at

Phone: 909-937-0510


The CRMBC Board

The CRMBC Board is comprised of business owners just like you, who face the same challenges you do. They strive to maximize the value of CRMBC group membership every day because it has a real impact on every member’s bottom line – including their own.

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David Mitchell, Chair

David Mitchell is a founding member of the California Restaurant Mutual Benefit Corporation and has lead the group to its position as the largest self-insured group in California. As Chief Operating Officer of HKM II, a Burger King franchisee with 42 restaurants in three states, David has implemented best practices and operational efficiencies that have consistently improved the margins of his company. David’s experience both as a CPA and as a fiscal manager has been invaluable in his leadership as Board Chair.




Self Insured Solutions
430 N. Vineyard Ave. #102
Ontario, CA 91764
Phone: 800-592-0047
Fax: 800-592-2541

Third Party Claims Administrator

American Claims Management (ACM)
Phone: 866-671-5042

Lock Box

P.O. Box 45783
San Francisco, CA 94145

Safety & Loss Control

Loss Prevention Specialists
430 N. Vineyard Ave. #102
Ontario, CA 91764
Phone: 909-937-0510