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 4.8 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
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 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
