We help organizations in California succeed.
“Ward McKalson has worked really hard to get me a benefits package that provides very good coverage for our employees while softening some of my pain. I'd recommend him highly, in fact I often do.”
Erik Cushman—MC Weekly
“We rely on local help for our operations. LCCIS and their experienced team have been assisting us with our insurance benefits for over 15 years now, and have provided regular volunteers to our cause.”
Leslie Sunny—Monterey County Food Bank
Local, Independent Agents
Experience
Understanding your business with national and industry experience.
Relationship
Building consultative relationships based on trust.
Service Team
Bringing together experienced staff to support your business.
Cost Control
Solving problems as we manage your total cost of risk.
Learn About Our Agency
The results for our clients
An insurance advisor you can trust.
High comfort level with risk management & employee benefits plans.
Excellent terms and conditions.
Latest News, Insights, & More
Health Care Reform
Summary Final Dept. of Labor (DOL) regulations on disability claims procedures apply to disability claims filed on or after April 1, …
New ERISA Disability Claims Procedures - Apply for Claims Filed April 1, 2018 or Later
Monday, April 9, 2018
Here is a summary of recent development affecting health and welfare benefits, in February and March 2018. DOL Final Regulations …
Recent Benefits Developments
Saturday, April 7, 2018
On March 5, 2018, the IRS issued Notice 2018-12 , which provides that plans which cover benefits for male sterilization … 
On March 5, 2018, the Internal Revenue Service (IRS) announced that the maximum 2018 contribution limit for health savings accounts (HSAs) … Business Insurance
There are several factors taken into consideration when calculating a workers compensation premium. It is a good idea to review …
Controlling Workers Compensation Costs
Thursday, April 5, 2018
By Jay LeProwse and Scott Rogers of Leavitt Group Every ten seconds someone is injured in an automobile accident, and …
Avoiding Distracted Driving (and Walking!)
Tuesday, April 3, 2018
Social engineering attacks are on the rise, accounting for 43% of data breaches that were reported/documented in 2016. This risk … 
Regardless of the number of individuals you employ, your company can benefit from a return-to-work program. While preventing injuries is … 
Distracted Driving is Never Okay According to the National Highway Traffic Safety Administration, distracted driving claimed 3,477 lives and injured another 391,000 … 
From jewelry and antiques to rare collections, there are certain items you may own that you can't imagine losing. These … 
You were headed to your doctor's office with little on your mind. Your last physical was a short three years … 
With the holiday season fast approaching, many Americans are gearing up for travel. The last thing anyone wants to deal with during the holidays is travel delays, so take some time now to prepare for some of the unknowns. While some delays are unavoidable, a few advanced preparations can make a huge difference in making it through these obstacles so you can enjoy the holidays.