We are an independent Insurance Broker that provides competitive solutions for your business, employees and your home and auto. We offer the Work Comp Navigator program that will drive down your Workers Compensation premium to the lowest amount allowable by law. We offer Health and Wellness solutions that are unique to our agency and will provide your business significant premium savings and increase employee health and morale. Our Home and Auto insurance professionals will competitively match your unique needs with the right insurance company, from the dozens of companies available to us.

Located in Salinas, CA, Michael B Kelly Insurance Services stands out as a trusted local partner for employer benefits solutions. With a rich history of catering to the diverse needs of midsize employers, this office location brings a wealth of experience to the table. The team excels in working with self-funded clients, showcasing their proficiency in managing risk and delivering tailored solutions. At the heart of their success is a dedication to supporting both local and regional employers. As part of a local brokerage firm, Michael B Kelly Insurance Services has established itself as a community-oriented player with a keen understanding of the unique challenges faced by businesses in the area. Their extensive expertise spans various industries, including insurance carriers and management, scientific, and technical consulting services. Noteworthy clients such as Cypress Healthcare Partners and Montage Health highlight the broker's effectiveness in navigating the complexities of employer benefits, with a demonstrated track record of serving companies with 640+ and 230+ participants, respectively. In choosing Michael B Kelly Insurance Services, employers gain access to a team that combines local insight with industry knowledge, ensuring comprehensive and tailored insurance solutions for their workforce.

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.

Dickerson Employee Benefits in Los Angeles, CA, stands as a prominent larger office within a local brokerage firm, known for its nuanced expertise in serving midsize employers. Their specialization is especially pronounced in sectors like outpatient care centers, heating, ventilation, air-conditioning, and commercial refrigeration equipment manufacturing, and the real estate leasing industry. This office has developed a reputation for its proficiency in navigating the complex landscapes of medical and ancillary benefits, making them a reliable partner for regional and local employers. Their client portfolio is diverse and impressive, including significant players like Alexander Dawson School in the educational services sector based in Colorado, with over 130 participants. They also cater to the needs of Mark-Taylor Residential, a major entity in the lessors of real estate industry in Arizona, handling benefits for more than 510 participants. Additionally, their expertise extends to the healthcare sector, evidenced by their successful collaboration with Midwestern Colorado Mental Health Center, an outpatient care center with over 100 participants. This Los Angeles office of Dickerson Employee Benefits demonstrates a deep understanding of the unique needs and challenges faced by various industries. Their ability to offer tailored solutions and a comprehensive understanding of different market demands makes them a valuable asset for employers looking to navigate the intricacies of employee benefits. Their strategic approach and commitment to understanding industry-specific requirements underscore their position as a reliable and knowledgeable insurance broker for any midsize employer seeking specialized guidance in employee benefits management.

Bender Insurance Solutions is a highly regarded insurance broker known for its exceptional customer service and expertise in serving clients of large and midsize employers. With a strong focus on meeting the unique needs of self-funded employers, HMOs, and pharmacy benefit managers (PBMs), Bender Insurance Solutions has built a reputation for providing tailored insurance solutions. Headquartered in Roseville, California, Bender Insurance Solutions operates locally, catering to a diverse range of clients. One notable example of their work is their successful collaboration with Cares Community Health, an outpatient care centers industry employer with 300 members. Working closely with the HR and finance team at Cares Community Health, Bender Insurance Solutions facilitated the establishment of a comprehensive self-funding arrangement, HMO plan, PBM, and drug plan specifically tailored to the needs of the employer's members. With a wide range of experience and expertise spanning various industries, Bender Insurance Solutions maintains a strong M Score. They possess specialized knowledge in serving offices of physicians and outpatient care centers, ensuring that their clients receive optimal insurance solutions. Not limited to California, Bender Insurance Solutions extends its services to employer clients across Alabama. This location caters to a diverse range of employers, including Cares Community Health, Elica Health Centers, Health and Life Organization, and S & G Discount Outlet Inc. In summary, Bender Insurance Solutions is a trusted insurance broker known for its outstanding customer service, expertise in serving large and midsize employers, and specialization in self-funded arrangements, HMO plans, and pharmacy benefit management. With a local presence in Roseville, California, and a strong client base across Alabama, Bender Insurance Solutions is well-equipped to address the insurance needs of diverse industries and client sizes.

Barthuli & Associates Insurance Services is a highly reputable and customer-oriented insurance broker based in Fresno, California. With a strong focus on providing exceptional customer service and expertise, they have earned excellent ratings and reviews from their clients. Their office serves a diverse clientele throughout Mississippi, catering to clients of all sizes, ranging from large corporations to midsize and small businesses. One notable example of their outstanding work is their partnership with Central California Faculty Medical Group, an esteemed employer in the offices of physicians industry. Barthuli & Associates Insurance Services collaborated closely with the HR and finance team of this 590-member organization to develop tailored insurance solutions. They successfully established a self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan specifically designed to meet the unique needs of the group's members. In addition to their collaboration with Central California Faculty Medical Group, Barthuli & Associates Insurance Services has worked with other notable employer clients, including Fresno Valves & Castings Health & Welfare Plan, Netafim Irrigation Inc, and Sunshine Raisin Corporation Health & Welfare Plan. These partnerships showcase the breadth of their expertise and experience across various industries, such as miscellaneous manufacturing, paint, coating, and adhesive manufacturing, as well as offices of physicians. Barthuli & Associates Insurance Services has built a solid reputation in the industry, particularly in the realm of self-funded employers. Their extensive knowledge and track record have contributed to a strong M Score, reflecting their ability to effectively serve clients of different sizes and industries. With their local presence and commitment to exceptional service, Barthuli & Associates Insurance Services continues to be a trusted partner for businesses seeking comprehensive insurance solutions in Fresno and beyond

The Liberty Company Insurance Brokers is an independently owned insurance broker handling the commercial, personal and employee benefits insurance needs of businesses, non-profits, and individuals for more than 35 years. The company was founded in 1987 by our Chairman and CEO, Bill Johnson, who currently leads the firm along with our President, Jerry Pickett. Licensed to operate in all 50 states, Liberty has grown consistently and, in recent years, exponentially by attracting talented and entrepreneurial people into an energetic and collaborative culture which focuses on our team’s happiness, well-being, and growth. Liberty has expanded nationally by partnering with agency owners and experienced producers who fit our culture, are driven by our mission of Promoting Peace of Mind with Great Care and demonstrate our core values of Integrity, Excellence, Caring, Kindness, Fairness, Teamwork, Good Feelings and Fun! Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four year by the Hales Report. Liberty is not your typical insurance broker: We are a culture-first organization, and believe "If you put people first, good business will follow." We are very collaborative, creative, entrepreneurial, and wellness-focused. We believe that the true Wealth of our Organization is dependent upon the Holistic Health of each member. We can serve our clients most powerfully when we are at our best mentally, physically, and spiritually. To that end, our goal is to clear the path of political and administrative distractions so our team members can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.

When you think of HUBInternational, Inc., you think of an insurance broker with a national and international reach. With their local office located in the Riverside region and with their headquarters in Chicago, Illinois, they provide products and services that protect people across the country. They offer both property and casualty insurance as well as life and health products and services. As a full-service broker, their goal is to provide peace of mind for those looking for insurance on what matters most by offering tailored products to businesses as well as individuals. With their M Score of 5, it's obvious there is a wide range of experience among those who work for Hub.

Arrow Benefits Group is a trusted local insurance broker with its office based in Petaluma, California. Known for their exceptional customer service and expertise, they cater to clients of all sizes, including large, midsize, and small employers. Their high client ratings reflect the satisfaction of customers who appreciate the personalized attention and comprehensive insurance solutions provided by Arrow Benefits Group. With a focus on meeting the diverse needs of their clients, Arrow Benefits Group has developed a strong track record in working with self-funded employers. They have extensive experience collaborating with health maintenance organizations (HMOs) to ensure that clients receive the most suitable coverage options. Additionally, their expertise in working with preferred provider organizations (PPOs) enables them to deliver solutions that meet the specific needs of members. One notable example of their successful work is their partnership with Bank of Marin Headquarters (Administrative offices only), a prominent employer in the depository credit intermediation industry. Arrow Benefits Group collaborated closely with the HR and finance team of Bank of Marin Headquarters to establish a comprehensive insurance program that included self-funding arrangements, HMO plans, PPO plans, as well as pharmacy benefit management (PBM) and drug plans tailored to the unique requirements of their 270 members. Arrow Benefits Group has accumulated a solid M Score, thanks to their extensive experience and expertise across various industries and client sizes. They possess strong knowledge in sectors such as educational services, activities related to real estate, and financial investment activities, enabling them to deliver tailored insurance solutions to businesses operating in these fields. Serving clients across Massachusetts and Pennsylvania, Arrow Benefits Group has established relationships with reputable employers such as Acore Capital, Griffin Capital Company LLC, and United Cerebral Palsy of The North Bay Inc. Their commitment to exceptional service and their ability to cater to the specific needs of each client have positioned Arrow Benefits Group as a top choice for comprehensive insurance solutions.

Unified Employee Benefits, rooted in the dynamic city of Los Angeles, CA, stands out as a distinguished insurance broker specializing in crafting tailored benefit solutions for both local and regional employers. With a keen focus on medical and ancillary benefits, this office demonstrates a depth of expertise that makes them a valuable resource for employer benefit buyers in the area. As part of a local brokerage firm, Unified Employee Benefits brings a personalized touch to its services, ensuring a nuanced understanding of the unique needs of businesses in Los Angeles. Their commitment to enhancing the well-being of workforces is exemplified by their top customer, Cemtek Environmental, in the professional, scientific, and technical services industry. Serving 180+ participants, this collaboration underscores Unified Employee Benefits' ability to navigate and cater to specific sectors with precision. Employer benefit buyers evaluating this Los Angeles location can rely on Unified Employee Benefits' demonstrated track record, industry-specific knowledge, and dedication to fostering the health and well-being of their clients' workforce through meticulously crafted benefit packages. The broker's expertise in serving local and regional employers ensures that businesses receive customized solutions aligned with their individual requirements.

Benefit Experts Insurance Agency, located in Palo Alto, California, is a highly rated local insurance broker servicing clients across California. With a strong focus on customer service and expertise, this office has garnered excellent reviews from satisfied clients. One standout example of their exceptional work is their partnership with C&H Enterprises, a prominent employer in the fabricated metal product manufacturing industry. Benefit Experts Insurance Agency collaborated closely with C&H Enterprises' HR and finance team to develop a tailored healthcare plan that met the unique needs of their 180 employees. This included setting up a Health Maintenance Organization (HMO) plan, a Pharmacy Benefit Manager (PBM), and a comprehensive drug plan. Benefit Experts Insurance Agency specializes in serving midsize employers and possesses extensive knowledge and experience in the fabricated metal product manufacturing sector. Their understanding of the specific challenges and requirements faced by businesses in this industry sets them apart from other insurance brokers. With a client-centric approach, Benefit Experts Insurance Agency consistently delivers customized insurance solutions that cater to their clients' specific needs and preferences. Whether it's providing expert guidance on healthcare plans, implementing cost-effective solutions, or offering ongoing support, Benefit Experts Insurance Agency ensures that their clients receive top-notch service. With their office in Palo Alto, they are conveniently situated to serve businesses throughout California. With their dedication to customer satisfaction and industry expertise, Benefit Experts Insurance Agency is a trusted partner for employers seeking comprehensive and tailored insurance coverage for their employees