Heffernan's San Francisco office, part of the Heffernan firm, operates out of Walnut Creek, California. Its work spans healthcare and social services, manufacturing, professional business services, restaurants, bars and accommodation services, and religious and non-profit organizations, serving small, mid-sized and large employers alike. The office places medical coverage through self-funded arrangements as well as PPO and HMO plans, along with prescription drug benefits, ancillary lines and retirement plans. Its book also includes mega wrap and collectively bargained arrangements. Employer clients including Puritan Bakery, Inc. and SierraThermal, Inc. are well rated by their employees for benefits. Example carriers include Kaiser Permanente, Elevance and Cigna.

UBF - SAN FRANCISCO, CA is an office of UBF based in Walnut Creek, California. Its work centers on manufacturing along with religious and non-profit organizations, serving mid-sized and large employers. The office places self-funded arrangements and medical coverage through PPO and HMO plans, along with prescription drug benefits, ancillary lines and retirement plans. Example carriers include Kaiser Permanente, Elevance and MetLife.

Northgate Benefits - San Francisco, CA is an office of Northgate Benefits, based in Novato, California. Its employer clients are concentrated in data, media and telecom, financial activities, and professional business services, and the office works primarily with mid-sized employers. The office places self-funded arrangements alongside medical coverage on PPO and HMO structures, prescription drug benefits, ancillary lines and retirement plans, and it has experience with collectively bargained arrangements. Clients including Parallel Advisors LLC are well rated by their employees for benefits. Example carriers include Kaiser Permanente, Meritain Health and UnitedHealthcare.

With decades of experience supporting businesses, families, and clients of all sizes throughout the West and across the country, our team combines the expertise of prominent agencies who provide services in industries including technology, manufacturing, construction, real estate, cannabis, social services, and risk management compliance. Together, we serve clients as trusted advisors to protect their employees, assets, manage costs, mitigate risk, and achieve financial security. Designing creative and unique insurance and employee benefit solutions to create the greatest value for our clients is the mission that we dedicate ourselves to every day. Because of this relentless drive we are one of the largest insurance agencies on the West Coast and have partnered with some of the most dynamic companies on the most crucial aspects of business risk management and employee benefits.