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 experts.
Relationship
Building consultative relationships based on trust.
Service Team
Bringing together expert 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
Telemedicine allows a patient to have a "virtual" visit with a board-certified doctor via telephone or videoconference regarding a particular …
Do Telemedicine Benefits Affect H.S.A. Eligibility?
Monday, August 21, 2017
The Affordable Care Act (section 9010) created an annual fee on certain health insurance providers beginning in 2014. This is …
Health Insurer Tax (HIT) Will be Back in Effect in 2018
Friday, August 18, 2017
July 26, 2017: The US Department of Labor issued a formal Request for Information (RFI) seeking input on the overtime … 
In the wee hours of the morning on July 28, 2017 (today, Friday), the Senate voted 51-49 AGAINST the "skinny … Business Insurance
When evaluating whether your injury and illness prevention program (IIPP) is in compliance and if any revisions are needed, why not go straight to the source of where employers have issues.
IIPP Evaluation - Are You Doing Everything You Can?
Wednesday, June 28, 2017
While many people enjoy their job, most experience job stress at some time during their working hours. For some, this …
Workplace Stress & Your Employee Assistance Program
Friday, June 2, 2017
Fatigue in the workplace is a serious problem. Fatigued individuals are less productive, less focused, have more medical problems, are … 
A defined plan to deal with major emergencies is an important element of your safety program. Besides the major benefit … 
Keep your family safe on the water and protect your investment by following these safety tips and making sure you have the right watercraft insurance.
There are valuable ways renters insurance can protect your assets, savings, and future earnings.
What You Should Know About Earthquake Coverage Damage from earthquakes is not covered by a standard homeowners policy. Similar to … 
If you live in wildfire-prone areas, preparation is key to keeping your home and family safe. This article includes links to a few resources to help you prepare.