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🌴 California · Employee Benefits

Employee Benefits
for California Businesses

Group Health · Dental · Vision · Disability · Life Insurance — licensed California specialists with 20+ years of commercial insurance experience.

📍 Licensed in CA · TX · FL · AZ · GA · WA · DC

Get My California Quote → 📞 (469) 983-2600

Free California Benefits Quote

We respond within one business hour.

🔒  Your info is never shared or sold

SRP Cover Insurance Services — CA License #6012103

✓ Licensed in California
✓ 20+ Years Experience
✓ Independent — Multiple Carriers
✓ All Group Sizes Welcome
✓ Same-Day Consultations
🏛️ Licensed in California as SRP Cover Insurance Services — License #6012103
California Employee Benefits

Helping California Businesses Compete for Talent

Secure Risk Partners is licensed in California as SRP Cover Insurance Services and specializes in employee benefits for businesses across the state. California's competitive labor market and complex compliance environment require an experienced benefits partner.

California's high cost of living and competitive talent market make comprehensive employee benefits one of the most powerful recruiting and retention tools available to employers.

📞 Call (469) 983-2600
California By The Numbers
900K+
CA Businesses
Strict
ACA Compliance
High
Talent Competition

California has additional state health coverage requirements beyond federal ACA mandates

California employers with 50+ full-time employees must offer ACA-compliant coverage. California also has a state individual mandate requiring residents to have coverage. The state's high cost of living makes comprehensive benefits a key recruiting tool.

California Benefits

Complete Employee Benefits for California Businesses

We place all of these for California employers — as individual plans or a complete benefits package.

❤️

Group Health Insurance

Major medical coverage for your employees and their families. We shop multiple carriers to find the best plan for your workforce and budget.

🦷

Dental Insurance

Preventive, basic and major dental coverage. One of the most valued and requested benefits by employees across all industries.

👁️

Vision Insurance

Eye exams, glasses and contact lens coverage. Affordable to offer and highly valued by employees and their families.

🕒

Short-Term Disability

Replaces a portion of an employee's income when they cannot work due to illness or injury. Typically covers 60–70% of salary for up to 26 weeks.

📅

Long-Term Disability

Income replacement for employees unable to work for extended periods. Typically begins after short-term disability ends and can last years.

💊

Group Life Insurance

Basic life insurance coverage for employees — typically 1–2x annual salary. A low-cost benefit that demonstrates real care for your team.

Our Carriers

We Shop the Market for California Employers.

Independent means we work for you — not the insurance companies.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard
Common Questions

California Employee Benefits FAQ

Does California have its own health insurance mandate for employers?
California follows the federal ACA employer mandate for businesses with 50+ full-time employees. California also has a state individual mandate requiring residents to carry coverage. For employers, offering competitive benefits is essential for recruiting in California's high-cost labor market.
What is the minimum number of employees needed to offer group benefits?
Most group health plans require a minimum of 2 eligible employees. Some carriers will consider groups as small as 1. We work with carriers that can accommodate very small businesses and startups offering benefits for the first time.
How much do employee benefits typically cost a employer?
Costs vary significantly based on group size, plan design, employee demographics and the employer contribution level. Most employers contribute 50–80% of the employee-only premium. We provide detailed cost comparisons across multiple carriers so you can make an informed decision.
Can we offer benefits to part-time employees?
Yes, though eligibility rules vary by carrier and plan. Some plans allow you to extend coverage to part-time employees working a minimum number of hours per week. We help you design a benefits strategy that works for your specific workforce structure.
How often can we change our benefits plans?
Most group benefits plans renew annually. You can make changes at each renewal. Mid-year changes are generally not permitted unless you experience a qualifying event. We review your plans at each renewal and shop the market to make sure you're getting the best value.
Do you help with benefits administration and enrollment?
Yes. We support our clients through the enrollment process and are available year-round to answer employee questions and help with claims issues. We're not just here at renewal — we're your ongoing benefits partner.

Ready to Build Your California Benefits Package?

Tell us about your team and we'll have options in front of you the same day. No obligation.

📞 Call (469) 983-2600 Now

Get Your California Benefits Quote

SRP Cover Insurance Services — CA License #6012103

Also Serving California

Other Industries We Cover in California

⛽ Gas Station Insurance — California 🏨 Hotel & Motel Insurance — California 🍽️ Restaurant & Bar Insurance — California 🏚 Apartment Insurance — California 🏬 Shopping Center Insurance — California
← View All California Commercial Insurance

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Alex
SRP Insurance Assistant
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