Insurance
Employee Benefits
Support your team and protect your business with employee benefit plans designed to attract and retain talent. Whether you're offering benefits for the first time or upgrading your current plan, we'll help you build a package your employees will value.
Rated 4.9 out of 5
Based on 50+ reviews
Protects your team’s health
Access to group health, dental, vision, and more.
Strengthens retention & morale
Employees stay longer when they feel cared for.
Keeps you compliant
Meets California and federal benefits requirements.
Peace of mind for everyone
You protect your team. We’ll help you protect their future.
Employee Benefits made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you offer affordable, meaningful benefits that your employees actually use and appreciate. Whether you’re a small business providing coverage for a handful of people or a growing company expanding your team, we’ll work with you to choose the right protection for your needs and budget. Offering employee insurance shows your team that you care, boosting morale, loyalty, and productivity. And it’s often more affordable than you think.
With access to multiple carriers, we compare quotes, explain your options clearly, and guide you through every step, so you don’t have to figure it out alone. As your personal advisor, we make employee insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Employee Benefits
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Employee Benefits Coverage
Here are the most common coverages offered by California employers:
Find the right coverage at the right price
Get your free quote in minutesWhat is Commercial Employee Benefits and how does it work?
Employee benefits insurance is a policy that gives your team access to affordable healthcare, income protection, and peace of mind. It helps attract top talent, reduce turnover, and strengthen your workplace culture. California businesses with 50+ full-time employees are required to offer health insurance, but even smaller companies are offering benefits to stay competitive.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
What are custom venefits for your business?
Your plan should match your workforce, not someone else’s. We help tailor benefits by business size and budget, employee demographics, industry standard, and recruitment and retention goals. Need help building your first plan? We’ll start with the basics. Already offering benefits? Let’s audit your current plan and look for savings or upgrades.
Optional add-ons & perks
Beyond the basics, you can customize your policy to enhance your benefits package. Options like Employee Assistance Programs (EAPs), mental health support, 401(k) referrals, voluntary life and accident insurance, and wellness and fitness program discounts. We also help you integrate benefits with your payroll or HR system for smooth administration.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through choosing the right carrier and coverage mix, enrolling employees and explaining benefits, managing renewals and compliance, and supporting your team with real-time answers. Whether you have 2 or 200 employees, we’ll make it easy to offer benefits with confidence.
How to get started
Simple steps to the right Employee Benefits
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step — with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Employee Benefits quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped California employers support their teams with better benefits without stress
Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
FAQ
Common Employee Benefits questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Do I have to offer insurance to all employees?
Not always, it depends on your business size and full-time equivalents. We’ll help you stay compliant with ACA rules.
Can I offer different plans for different employee levels?
Yes, with certain legal guidelines. We’ll show you how to structure tiers fairly and compliantly.
Is it expensive to start offering benefits?
Not necessarily. We’ll find plans that match your goals and budget, and show you how to share costs with employees.
Do employees have to enroll in everything?
No. You can offer core benefits with optional add-ons. Employees can pick what fits their needs.
Can you help with open enrollment and renewals?
Yes! We’ll support you through onboarding, renewals, and questions all year long.
Coverage made simple
Helping local businesses support their teams
- Rated 4.9 out of 5 stars
- 30+ years of expertise
