- Group healthMedical, dental, vision and life
- Group lifeFor California employers
- Licensed in CaliforniaInsurance license 6019379
- Talk to a licensed agent(619) 382-3810
Group benefits
Each benefit has its own page with a plain-language guide and how to get started.
- Group health insuranceHealth coverage for your employees, new, renewing or under review.Learn more
- Group dental insuranceDental coverage for employees and their dependents, with or without group health.Learn more
- Group vision insuranceVision coverage your employees can use, alongside medical and dental.Learn more
- Group life insuranceEmployer-sponsored life insurance for California employers.Learn more
For owners and key people
Life insurance a business can put in place for its owners and key people.
Group Health
If you are putting health coverage in place, renewing it, or reviewing what you already offer, this is where the conversation starts. We'll learn about your group and help you review the coverage options available to you.
- Medical
- Dental
- Vision
- Life
What to have ready
- How many employees you have
- Where the business and employees are located
- Desired effective date or current renewal date
- What you have in place now, if anything
- A basic employee census. We'll let you know which details are needed once we understand the coverage you're looking for.
What happens next
- We learn about your group and what you're looking for.
- We review what coverage options are available for your group.
- If you decide to move forward, we help coordinate the application and enrollment steps.
Group Life
Employer-sponsored group life insurance for California employers, offered to eligible employees under a group arrangement. If you are adding coverage for the first time or reviewing what the business already provides, this is where the conversation starts.
What to have ready
- How many employees you expect to include
- Desired effective date
- Anything you already have in mind for the plan design
- A basic employee census. We'll let you know which details are needed once we understand the coverage you're looking for.
What happens next
- We learn about your group and what you want the benefit to accomplish.
- We review what group life options are available for your group.
- If you decide to move forward, we help coordinate the application and setup process.
Not sure where to start?
Tell us about your group and what you have in place now. We will talk it through with you.
Start the conversationFAQ
Employee benefits for California employers, explained plainly
Can my business use Covered California for Small Business?
The program is for businesses with 100 or fewer full-time-equivalent employees and at least one W-2 employee who isn’t the owner or the owner’s spouse. Most eligible employees must live or work in California, and the program has its own contribution and participation rules.
When do the federal ACA employer rules apply?
To employers that averaged at least 50 full-time employees, including full-time equivalents, in the previous calendar year. They must offer affordable coverage with minimum value to full-time employees, or they may owe a payment to the IRS.
Which employers must offer federal COBRA?
Generally, group health plans of employers with 20 or more employees in the prior year.
What is Cal-COBRA?
California’s continuation coverage for smaller groups. It applies when the group policy covered 2 to 19 employees on at least half of its working days in the prior calendar year.
How long can COBRA coverage last?
Up to 18 months, which can be extended in certain situations. The person continuing coverage pays the full premium.
Sources: Covered California for Small Business, eligibility · IRS, employer shared responsibility · U.S. Department of Labor, COBRA · California Department of Insurance, health FAQ · California Department of Insurance, continuation coverage.
Important information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.