At Cavignac we’re working towards realizing a vision where every business in our community is protected from risk. To achieve this, we’ve built a team that has been recognized as best in industry by giving them the resources and independence to: - Belong: We emphasize culture and encourage collaboration. We work in a supportive work environment where you know your teammates have got your back. - Give: We believe community engagement is an integral part of a fulfilling career. We’re always looking for new ways to give back to the place where we live and work. - Grow: The only thing more important than our clients futures are the futures of our team members. We invest a significant amount of time and resources on employee education. - Thrive: Comprehensive health insurance, 401k matching, profit sharing, team events, competitive PTO, all staff and individual bonuses - we give our team the benefits they need to live their best life. It’s this approach that has led to recognition. Here are a few of them: - Best Places to Work in San Diego: 2011, 2013, 2015, 2017, 2019, 2021 - Best Places to Work in Insurance: 2012, 2014, 2016, 2018, 2020, 2022 - U.S. Business Insurance: #1 Best Place To Work in the Country - Reagan's Best Practices Agency: 22 Consecutive Years (1999 - 2022) What We Do: We're an independent (locally owned) commercial insurance broker that manages risk and negotiates insurance on behalf of its clients. Our objective is to lower our clients Total Cost of Risk and drive dollars to their bottom line. Mission: To give confidence and clarity to the businesses we serve by providing knowledge-based risk management solutions and an exceptional client experience.

Gallagher offers medical insurance, voluntary benefits and other services for all sizes of employers in the San Diego-Carlsbad, CA Metro Area. Employees depend on group health benefits for their well being and that of their families. Companies must offer competitive benefits in markets like San Diego-Carlsbad, CA due to increasing demand for employees. Gallagher San Diego is a part of a national insurance brokerage firm with offices across the nation with a local office in San Diego region. Arthur J. Gallagher & Co. Gallagher San Diego office has an M Score of 5 which is the highest M Score possible based on wide experience with business clients and positive customer feedback. An insurance broker plays an important role in selecting an enrollment firm for your employees. Arthur J. Gallagher & Co., Gallagher San Diego has few ratings and their score appears to be low compared to others in the marketplace.

Hammett Insurance Agency, Inc. is a reputable local insurance broker based in San Diego, California. With a strong track record in serving a diverse range of clients, they specialize in providing insurance solutions to large and midsize employers. The agency has gained extensive experience working with self-funded employers, offering tailored coverage options to meet their unique needs. One notable example of Hammett Insurance Agency, Inc.'s expertise is their collaboration with Kraemer's Nursery Inc., an employer with 200 members in the greenhouse, nursery, and floriculture production industry. They successfully partnered with Kraemer's HR and finance team to establish a customized self-funding arrangement that catered specifically to the requirements of their members. With a wide range of experience and proficiency across various industries, Hammett Insurance Agency, Inc. boasts a remarkable M Score. They demonstrate notable expertise in the areas of greenhouse, nursery, and floriculture production, as well as the health practitioners sector. Operating from their San Diego office, the agency serves clients not only in California but also in Idaho and Oregon. Among their prominent employer clients are M & M Management Co, Cherry Hill Management Inc, Kraemer's Nursery Inc, and Progressive Behavior Systems. Hammett Insurance Agency, Inc. has established itself as a reliable and trusted partner, providing comprehensive insurance solutions to businesses of all sizes and industries. Their commitment to understanding each client's unique needs ensures that they deliver tailored coverage options and exceptional service.

Insurance Office of America (IOA) is a national insurance broker with an office located in San Diego, California. With a strong expertise across various industries, IOA serves clients of all sizes, including large, midsize, and small employers. They have established themselves as a trusted partner in the insurance industry, earning a good M Score based on their extensive experience and expertise. This specific office of IOA operates in Florida and California, catering to clients across both states. They have successfully serviced a diverse range of clients, including San Diego Farms LLC, a 0 member employer in the greenhouse, nursery, and floriculture production industry. IOA collaborated closely with the HR and finance team of San Diego Farms LLC to develop a comprehensive insurance solution, which involved setting up a self-funding arrangement, HMO plan, PPO plan, PBM, and a drug plan tailored to the unique needs of their members. In addition to their work with San Diego Farms LLC, IOA has built a solid client portfolio that includes notable employers such as Acec Life/Health Insurance Trust Benefit Consortium, Cotti Foods Corporation, Bartow Ford, and California Jockeys Welfare Corporation. This demonstrates IOA's ability to effectively serve clients across various industries, including automobile dealers, greenhouse, nursery, and floriculture production, as well as administrative and support and waste management and remediation services. With their vast experience in working with self-funded employers, IOA has gained a strong understanding of the intricacies involved in managing such arrangements. They have also excelled in collaborating with HMOs and clients to provide tailored solutions that meet their specific needs. IOA's expertise extends to working with clients and PPOs, ensuring the optimal coverage for members. Moreover, their experience in partnering with pharmacy benefit managers (PBMs) and other specialized pharmacy providers adds to their comprehensive approach in serving clients. Overall, Insurance Office of America's San Diego office delivers exceptional insurance brokerage services, leveraging their extensive industry knowledge and commitment to meeting the unique needs of each client.

Terri Yurek Insurance, a respected local insurance broker headquartered in San Diego, California, is dedicated to serving midsize employers across various industries. With a stellar reputation for exceptional customer service and expertise, they have earned high ratings from their satisfied clients. Their office in San Diego has successfully collaborated with Integrits Corporation, an esteemed employer in the architectural, engineering, and related services industry. Terri Yurek Insurance worked closely with Integrits Corporation's HR and finance team to establish a Health Maintenance Organization (HMO) plan. This plan was meticulously designed to address the unique needs of their 160-member workforce, ensuring comprehensive coverage and member satisfaction. Terri Yurek Insurance possesses a wealth of knowledge and expertise in the architectural, engineering, and related services industries. This specialized understanding enables them to provide tailored insurance solutions that effectively address the specific requirements of businesses operating in these fields. While their primary focus is in San Diego, California, this branch of Terri Yurek Insurance extends their services to clients across North Carolina, broadening their reach to offer their expertise in different regions. The San Diego office of Terri Yurek Insurance proudly serves a diverse range of employer clients, including Integrits Corporation. Their commitment to providing exceptional customer service and their deep industry knowledge have solidified their position as a trusted insurance partner in the region. Through their dedication to client satisfaction, expertise in the architectural, engineering, and related services industries, and their ability to deliver tailored insurance solutions, Terri Yurek Insurance continues to be a preferred choice for midsize employers in San Diego, California, and throughout North Carolina.

HUB International, a national insurance consultant with an office based in Carlsbad, California, is a reputable insurance broker catering to clients of various sizes, including large, midsize, and small employers. While some customers have expressed lower reviews, it is worth investigating these concerns when evaluating potential partners. However, HUB International boasts extensive experience working with self-funded clients and has excelled in designing HMO and PPO plan models for their clients. They are particularly renowned for their proficiency in carving out drug and pharmacy plans, setting them apart from other brokers in the market. Notably, HUB International's Carlsbad office has made significant contributions within the insurance landscape, showcasing their expertise and commitment to their clients. For instance, they collaborated with Bridge Home Health, a prominent employer in the home health care services industry, to establish a customized self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan tailored to the unique needs of their 580 members. This successful partnership demonstrates HUB International's ability to deliver tailored solutions. The Carlsbad office of HUB International has solidified its position as one of the top brokerages in the San Diego, CA market, boasting a wide range of experience and expertise across various client sizes, industries, and products. Additionally, their strong acumen spans industries such as professional, scientific, and technical services, depository credit intermediation, computer systems design, and related services. Servicing clients across multiple states, including California, Arizona, Nevada, Oklahoma, Colorado, South Carolina, Georgia, Florida, Missouri, Illinois, Pennsylvania, Massachusetts, Texas, Washington, Minnesota, and Michigan, this location of HUB International has fostered partnerships with notable employer clients like Acadia Pharmaceuticals Inc, Ace Parking, Alphatec Spine, Inc, and Angel View Resale Store

Castle Benefits is a local insurance broker based in La Mesa, California. With their office conveniently situated in this vibrant city, they have established themselves as a trusted partner for businesses seeking comprehensive insurance solutions. One notable example of their expertise lies in their collaboration with the Borrego Community Health Foundation, a prominent 10-member employer within the offices of physicians industry. Castle Benefits worked closely with the foundation's HR and finance team to develop a tailored self-funding arrangement, addressing the unique needs of their members. Not limited to a single industry, Castle Benefits serves a diverse range of clients, primarily catering to small employers. Their commitment to delivering exceptional service extends beyond La Mesa, as their office covers multiple states including Illinois, Ohio, California, Wisconsin, West Virginia, Texas, Indiana, Georgia, and Pennsylvania. This extensive reach enables Castle Benefits to leverage their profound knowledge and expertise across various geographical locations. Castle Benefits boasts a strong track record of success within the offices of physicians industry, enabling them to offer invaluable insights and tailored insurance solutions to healthcare professionals and organizations. By combining their deep industry knowledge with their commitment to personalized service, Castle Benefits has established a reputation for delivering reliable and effective insurance strategies. With their local presence in La Mesa and their wide-ranging expertise, Castle Benefits continues to serve as a dedicated insurance broker, providing top-notch solutions that meet the unique requirements of their clients, including the esteemed Borrego Community Health Foundation.

Margarita Alejandra Ramirez's San Diego, CA office is a prominent and well-established insurance broker with a strong track record in the industry. This office is a larger, highly experienced team that specializes in serving a diverse range of clients, including self-funded clients, local and regional employers, and midsize to small businesses. With a deep understanding of the insurance landscape, this office has successfully catered to clients across various industries. They have demonstrated their expertise in areas such as motor vehicle parts manufacturing, motor vehicle and motor vehicle parts and supplies merchant wholesalers, and support activities for crop production industries. This diverse industry knowledge allows them to tailor insurance solutions that meet the unique needs of their clients. Margarita Alejandra Ramirez's office takes pride in its ability to deliver exceptional service and support. They have worked with renowned clients such as 5Th Axis in the nonferrous metal industry, Cns Network in the offices of health practitioners industry, and EM Tharp Sales in the motor vehicle dealers industry. These partnerships highlight their commitment to providing comprehensive insurance solutions for businesses of all sizes. Being a part of a local brokerage firm, this office has a deep understanding of the San Diego, CA market, which enables them to provide localized, customized insurance solutions. Whether you're a large corporation, a midsize enterprise, or a small business, Margarita Alejandra Ramirez's office has the experience and expertise to address your insurance needs effectively.