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 80+ 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 benefits 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
Kwon Insurance services Are fantastic people ! from the front desk to the top. Their main concern is helping you find the right insurance for your needs. We will always recommend kwon Insurance services to friends, family and business owners. Keep up the great work and thank you for all your help.
Larry Leonard
recently
Did a great job of car insurance
Tony Thompson
recently
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
recently
Karson you did a great job find a great ins.co. thanks for your help.
KULDIP DHESI
4 months ago
Florian Mueller
4 months ago
Professional, responsive, customer first mentality. Excellent insurance coordinator!
Martin Ho
5 months ago
Karson Kwan and Kwan insurance services took care of my needs quickly, efficiently and at a great price! Can’t say enough good things about them. We are moving from out of state and reached out initially to one of the national companies we used in the past. They gave us the complete runaround. We needed something quickly and so I reached out to Kwan Insurance when they were suggested to me locally. They took care of us right away with no hassle! I love their app and how easy it is to get ahold of them whenever you need something. I love supporting a family company who really knows what they are doing! 10/10!!
Angie Roberts Selzer
1 month ago
Karson Kwan was extremely professional in helping to determine the most comprehensive and affordable insurance package tailored for my specific needs. He was very responsive and I felt like a valued client throughout our whole correspondence. I can wholeheartedly recommend Kwan Insurance if you want to ensure that you are getting the best coverage available, and at the best rates too!
Derrek Chu
5 months ago
I recently looked for homeowner insurance for a condo and used Kwan Insurance Services. The process was smooth: I submitted an application, and the agent Karson emailed the next day with four quotes from different providers and helpful recommendations on which to choose. I had a great experience and would recommend Kwan Insurance Services to anyone seeking insurance. They also offer auto insurance, and I’m considering switching my auto policy there.
Jason Wong
1 month ago
My husband and I are first-time homebuyers, and we worked with Karson for our homeowners insurance. I wasn’t familiar with townhome insurance options at all, and Karson took the time to sit on the phone with me and walk through every line of the policy, making sure I fully understood what we were getting and he knew the answers to all of my questions. He was patient, thorough, and focused on finding us the best coverage at the best price.
Not only is Karson extremely knowledgeable, but he was also very honest throughout the entire process. He never tried to oversell us or push anything we didn’t need, he provided us with a straightforward, trustworthy guidance. I highly recommend Karson for any and all your insurance needs.
Olivia Fawley
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
