Meet CRMBC’s Underwriting Team
Our underwriting team ensures the financial stability and success of our self-insured group. CRMBC’s underwriting services help members maintain control over their workers’ compensation costs by focusing on thorough risk assessment and fair premium setting. Underwriting services are delivered by our Administrator, The Path Alliance, with guidance from Scott Gaffner, our Chief Underwriting Officer.
Here’s what sets our underwriting approach apart:
Our underwriting team evaluates each member’s risk profile, considering current operations and historical data. This ensures that premiums are set accurately, reflecting the true risk and helping members avoid unnecessary costs.
We understand that each business is unique. Our underwriters take the time to understand each member's needs and challenges, providing customized solutions that align with their operational realities and financial goals.
Our underwriting philosophy is centered on sustainability and long-term success. We focus on the Total Cost of Insurance rather than competing on upfront prices, ensuring that our members benefit from stable and predictable costs over time.
CRMBC’s Underwriting Services Include
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.
