Our business clients deserve the best commercial insurance in Orange County! ERM has safe, reliable, and trustworthy insurance policies and our expert ERM Insurance agents take pride in finding them the perfect policy to fit their commercial and financial needs. ERM has agents you can trust. With ERM's vast knowledge and expertise in Risk Management, companies are able to focus on building their business with confidence.
ERM will help you save money and reduce risk. There is no one-size-fits-all insurance policy. ERM has over 35 years working with businesses in different industries in Orange County, Los Angeles, and San Diego. As a result of our experiences, we have developed several customized programs for California Business Insurance. Employee Benefits can help you attract the most adept employees for your company.
There are many arenas now for employees to give feedback on the companies that they work for. Businesses that assist in taking care of their employees and dependents score higher and positions within the company become more competitive.
ERM will help you save money and reduce risk. There is no one-size-fits-all insurance policy. ERM has over 35 years working with businesses in different industries in Orange County, Los Angeles, and San Diego. As a result of our experiences, we have developed several customized programs for California Business Insurance. Employee Benefits can help you attract the most adept employees for your company.
There are many arenas now for employees to give feedback on the companies that they work for. Businesses that assist in taking care of their employees and dependents score higher and positions within the company become more competitive.
Services
ERM Insurance, the best local business insurance agency with a full suite of services.
Newport Beach business clients enjoy being able to get great deals on on expertly customized insurance policies as well as HR services, up to date guidelines on their specialized industry, on call legal advice, and more.
Your ERM Insurance producer wants your business to be successful and risk free.
ERM will work with you to help close worker's compensation claims and help prevent others.
When you have problems or questions your agent is just a phone call or email away, you won't be dealing with call centers or robo-calls.
Newport Beach business clients enjoy being able to get great deals on on expertly customized insurance policies as well as HR services, up to date guidelines on their specialized industry, on call legal advice, and more.
Your ERM Insurance producer wants your business to be successful and risk free.
ERM will work with you to help close worker's compensation claims and help prevent others.
When you have problems or questions your agent is just a phone call or email away, you won't be dealing with call centers or robo-calls.
Orange County, Los Angeles County, and San Diego County business insurance can be very complicated.
Many times we have had clients come to us from all over Southern California after they have shopped around for business insurance and realized that when they were comparing quotes based completely on price, they were losing detrimental coverage that could place them in very dangerous situations.
Comparing quotes can be very dangerous because each policy provides different types of coverages with different parameters.
Many times we have had clients come to us from all over Southern California after they have shopped around for business insurance and realized that when they were comparing quotes based completely on price, they were losing detrimental coverage that could place them in very dangerous situations.
Comparing quotes can be very dangerous because each policy provides different types of coverages with different parameters.
Through our connection with ISU we can place business with virtually every major insurance carrier in the country, and are able to secure preferred terms because the carriers know that our ERM model will reduce claims and make our clients more profitable for them.
This assists ERM brokers to keep their clients' costs low.
We are staffed with outstanding people and outsource many services to local experts to keep our overhead low, ISU being one of them.
This assists ERM brokers to keep their clients' costs low.
We are staffed with outstanding people and outsource many services to local experts to keep our overhead low, ISU being one of them.
ERM Insurance, in conjunction with Lanak & Hanna, P.C., Attorneys at Law, is pleased to announce the launch of the True Legal Assistance Hotline.
ERM customers now have the option to seek immediate legal advice from qualified Southern California attorneys on a wide-range of issues facing your business, including contract, insurance, estate planning, collections, labor, employment and corporate issues.
ERM Insurance is excited to provide this value-added service to our loyal customers.
Initial consults are always free of charge and many additional services can be provided on a reasonable, flat-fee basis in order to help your business succeed.
ERM customers now have the option to seek immediate legal advice from qualified Southern California attorneys on a wide-range of issues facing your business, including contract, insurance, estate planning, collections, labor, employment and corporate issues.
ERM Insurance is excited to provide this value-added service to our loyal customers.
Initial consults are always free of charge and many additional services can be provided on a reasonable, flat-fee basis in order to help your business succeed.
WC rates in California are among the highest in the country and there are 2 principal reasons: a very high litigation rate and an experience modification formula that severely punishes employers for having claims, even small ones.
The ex-mod is a factor (multiplier) that is applied to your rates.
If your claims experience mod is less than 1.00 you will receive a discount and if it is greater than 1.00 you will pay a surcharge.
The formula uses 3 years' of payroll and claims and compares the employer's claims experience against others in CA in the same classification.
The ex-mod is a factor (multiplier) that is applied to your rates.
If your claims experience mod is less than 1.00 you will receive a discount and if it is greater than 1.00 you will pay a surcharge.
The formula uses 3 years' of payroll and claims and compares the employer's claims experience against others in CA in the same classification.
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