What We Offer



Health Benefits   Retirement Services   Risk Management   Make an Appointment


Our Group Employee Benefits packages include health and dental insurance, vision, life insurance, and much more. We work with all the major carriers in California. You can rest assure that we design the right package for you.

Start Up Package

We have helped many startups with their benefit needs even when they worked out of the garage. No HR? No problem.

Executive Plans

Some firms and individuals require special products not typically offered by most employees, or might offer them to entice high quality employees. We’d be happy to discuss some of these options with you.

International Plans

Are you planning to set up a satellite office in Silicon Valley? We’ll put together a plan to help you attract the right talent and follow local regulations.

Individual Plans

Out of work? Work for yourself? Individuals and the self-employed can now afford comprehensive plans previously only reserved for the corporate world.


Health Benefit Plans

  • Health Insurance

Provide employees the ability to utilize health services for them and their families. The employer can set the contribution limits to keep the plan affordable and use it as a retention tool.

  • Dental Insurance

Insurance designed to pay a portion of the costs associated with dental care.

  • Vision Insurance

Offers coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists.

  • Short Term and Long Term Disability

These policies insure the beneficiary’s earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short‐term disability benefits, and long‐term disability benefits. Statistics show in the US a disabling accident occurs every second.

  • Life Insurance

Employer paid life insurance to benefit the beneficiaries of the employees, typically 1‐3x the salary of the employee.


Retirement Services

Retirement savings plan allows a worker to save for retirement and have the savings invested while deferring current income taxes on the saved money and earnings until withdrawal. The employer has the option to match.

We can help you set up a wide array of savings plans such as:

  • 401k
  • 403(b)
  • Traditional IRA
  • Roth IRA
  • Rollover IRA
  • Sep IRA


Risk Management

  • General Liability/BOP (Business Owners Policy)

To protect the company from any damages or injuries. Landlords typically require this in order to lease an office. Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren’t covered under general liability insurance policies because they’re considered to be punishment for intentional acts.

  • Workers Compensation

A business is required to carry this insurance as soon as the first employee is hired. Owners/directors typically are not required to carry this. It is a form of insurance that provides compensation medical care for employees who are injured during the course of employment, in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as “the compensation bargain.”

  • Professional Liability or Tech Errors and Omissions Insurance

Tech E&O insurance is intended to cover two basic risks: (1) financial loss of a third party arising from failure of the insured’s product to perform as intended or expected, and (2) financial loss of a third party arising from an act, error, or omission committed in the course of the insured’s performance of services for another.

  • D&O – Directors and Officers Insurance

This is a liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. It has become closely associated with broader management liability insurance, which covers liabilities of the corporation as well as the personal liabilities for the directors and officers of the corporation.

  • Employment Practices Liability Insurance

EPLI is an area of United States law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

  • Key Man Life Insurance

This is life insurance on employees’ lives that is owned by the employer corporation, with benefits payable to the corporation. It is purchased on the lives of key employees and executives by a company to hedge against the financial cost of losing key employees to unexpected death, the risk of recruiting and training replacements

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