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“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.
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Latest News, Insights, & More
Health Care Reform
Quick Summary The PCORI fee applies to covered health plans with plan or policy years ending after Sept. 30, 2012, …
ALERT! PCORI Fee Due by July 31, 2018
Wednesday, May 23, 2018
This is a re-post of my article from Sept. 26, 2013. Confusion continues about the different “household income” tests, especially …
Confused about the Different "Household Income" Tests? Here's Why!
Wednesday, May 23, 2018
The IRS and HHS have been busy lately, publishing 2019 inflation-adjusted numbers for numerous benefits limits and amounts. Just today … 
On April 23rd the Departments (DOL, HHS & Treasury) issued a packet of guidance on the Mental Health Party and … 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 … 
Every workplace environment has issues for their human resources department to address. However, there are three major issues that currently … 
When it comes to water, the last place you want it is leaking somewhere in your home. While you may … 
As an insurance agent, I get questions all the time from clients and prospects about what coverages they need and … 
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.
Distracted Driving is Never Okay According to the National Highway Traffic Safety Administration, distracted driving claimed 3,477 lives and injured another 391,000 …