Happy Employees, Successful Business

Customized Employee Benefits Solution

Health · Life · Vision · Dental · Accidents

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Employee Benefits and Group Health Insurance

Healthy and happy employees create the base of a successful business. KCAL Insurance offers customized employee benefit solutions for your business. Rest assured that we strive to find the best coverage at the best possible price all while maintaining the highest level of personal attention and professionalism.

Our Products

KCAL Insurance Agency offers a comprehensive range of employee benefits and group health insurance options for your employees and their families. Any expense an employer incurs that is related to health insurance for employees or their dependents are 100% tax-deductible and are considered ordinary business expenses for both state and federal income taxes.

Group Health

A group health plan is defined as an employee benefit plan established by an employer to provide medical care for participants and their dependents.  The medical care includes doctor visits, lab works, emergencies, inpatient services, outpatient surgeries, medication, and other treatments with medical necessities. Under ACA, it is mandatory that groups with 50 and more employees to offer group health insurance to eligible, full time employees.

Group Dental

Group dental insurance provides employees with oral health needs including preventive, basic and major dental services.  It is optional to the employer.

Group Life and AD&D

Group life is a type of life insurance in which a single contract covers an entire group of employees.  It is protection to employees’ families.


A Premium Only Plan is a plan that allows employees to pay group insurance premiums on a pre-tax basis instead of after-tax. POP is a good way to save on taxes for both employees and employers.

Workers' Compensation

California state law requires all employers to have workers’ compensation insurance for all employees to protect them from work-related injuries and diseases. It also covers medical expenses, work-related injury benefits, employer’s liability for employee injuries, and more.

Group Vision

Group vision coverage is an optional benefit to cover employees’ eye exams and eye wear, including lenses and frames.

Group LTD & STD

Group LTD and STD provide income replacement benefits to an employee should he or she become sick or injured and unable to work.


A company sponsored FSA (flexible spending arrangement) is a special account that the employer and employees make contribution to, to pay for certain out-of-pocket health care and other eligible expenses.

Our Services

KCAL is committed to the principles of service, integrity and professionalism while providing our valued clients with the highest quality of service with the goal of meeting each client’s unique needs. Under the leadership of our account managers, every business will be supported by a strong team of certified agents.

Under KCAL’s group health insurance and employee benefits, you can enjoy the following services free of charge:

Comprehensive Quote and Proposal | Plan Renewals and Re-shopping | COBRA and ERISA Assistance | Employee Addition and Deletion | New Employee Orientation | Claim Assistance | Billing Issues and Tracking | Primary Care Physician Updates, Medical Network Change and Address Change

Human Resource and Payroll Services | Free Business and Labor Law Consultations | Free Labor Law Poster | Free Training on Sexual Harassment Prevention and Regulation

Seminars on Latest Health Insurance Updates | Business Owner Seminars

We’ve Selected the Top Insurance Carriers for You

KCAL Insurance not only carries dozens of A-rated insurance companies, but has also been honored with VIP insurance agency for many years. Our exclusive access to many insurance companies ensures that our customers receive the fastest and most effective assistance.