Employee Benefits Insurance
Employee Benefits & Group Insurance for Los Angeles Businesses
Offering competitive group health insurance in Los Angeles is one of the most effective ways to attract and retain employees. At Derian Insurance, we help California business owners build custom employee benefits packages that fit their team size, goals, and budget. Whether you're a startup with just a few full-time staff or an established company managing a larger group, we’ll walk you through every option—from medical to dental to disability—so you can offer real value to your workforce.
Build a Strong Benefits Package for Your Team
Providing employee benefits isn't just about checking a box—it’s about investing in your people. Group insurance options like health, dental, vision, life, and disability coverage give your employees peace of mind and show them you care about their well-being. For employers, it also helps reduce turnover and boosts morale.
We assist businesses throughout LA—including those near Downtown, Westside, the Valley, and surrounding areas—with building well-rounded benefits packages that meet California compliance standards while staying affordable.
Group Health Insurance Options
Group health insurance is often the foundation of a solid benefits package. We help employers compare plans from leading California carriers like Anthem, Kaiser Permanente, Blue Shield, and more. Plans typically include employer contributions, and employees benefit from better rates than buying coverage on the individual market.
We’ll help you weigh factors like HMO vs PPO, Bronze vs Gold tiers, and out-of-pocket limits—so you can choose a plan that balances value with quality care. If your business is just starting out, we’ll help determine if you qualify for small business health plans and how to structure contributions.
Add Value with Group Dental & Vision Coverage
Dental and vision benefits are popular add-ons—and they don’t have to break the budget. Offering coverage for routine cleanings, eye exams, and glasses is a meaningful gesture that employees appreciate. We’ll walk you through plan options and help set up contributions and eligibility rules.
Group Life & Disability Insurance for Extra Support
Life insurance and disability coverage offer financial protection for your employees and their families if the unexpected happens. Most companies provide basic group life insurance—often equal to one year’s salary—and the option for employees to purchase additional coverage.
We also arrange short-term and long-term disability plans that replace part of an employee’s income if they become ill or injured. These are affordable, often underused benefits that can greatly increase your team’s financial stability.
Help with Compliance, Enrollment & Administration
From initial plan setup to day-to-day administration, we make the process easy. We’ll assist with:
- Eligibility tracking and enrollment paperwork
- Employee onboarding and benefit explanations
- Compliance with California and federal requirements (like ACA rules for companies with 50+ employees)
- Annual renewals and updates when your team changes
You’ll have a direct point of contact, not just a call center. Our goal is to keep your benefits program running smoothly, so you can focus on your business.
Why Choose Derian for Employee Benefits Insurance
If we already help protect your business through commercial coverage, we can also help take care of your team. As your local employee benefits broker in LA, we provide:
Personalized support for both business owners and employees
Access to multiple group insurance carriers to compare quotes
Assistance with renewals, claims, and employee changes
No added cost for working with a broker—just better service
Whether you’re in Culver City, Burbank, Santa Monica, or anywhere across Southern California, we’re here to simplify the process and deliver real solutions.
Frequently Asked Questions
How many employees do I need to qualify for group health insurance?
Typically, you need at least 2 eligible employees (not including spouses) to form a small group plan in California. Some exceptions exist—ask us for guidance based on your business structure.
Is group insurance too expensive for small businesses?
While it’s a major investment, group coverage is tax-deductible and often essential for hiring and retention. We’ll help you explore contribution options, plan tiers, and carrier quotes that work for your budget.
Can I offer benefits to some employees and not others?
You’ll need to follow nondiscrimination rules. Most plans require that all eligible full-time employees be offered coverage. We’ll help you stay compliant with California and federal laws.
What’s group disability insurance?
Short-term disability covers a portion of income during brief periods of injury or illness. Long-term disability provides continued support if someone can’t return to work. These are low-cost, high-value benefits your employees will appreciate.
Do you help with the paperwork and renewals?
Yes. We handle enrollments, employee additions/removals, renewals, and are available anytime you or your team has questions about the plan.
Let’s Build the Right Benefits Plan for Your Team
Strengthen your business by supporting your people. Let’s talk about a custom employee benefits package that fits your team size and budget. Contact Derian Insurance for a no-pressure consultation on group insurance solutions today.