Arroyo Insurance Services
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Arroyo Insurance Services
Contact Us
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Employee Benefits
Employee Benefits, Los Angeles, CA

What is Employee Benefits Insurance?

Employee benefits insurance protects the insured employer against claims by employees or former employees resulting from negligent acts or omissions in the administration of the insured's employee benefits programs.

The term "employee benefits programs" is defined to include group life insurance and group accident and/or health insurance; profit sharing plans; employee stock subscription plans; and workers' compensation, unemployment insurance, social security benefits, disability benefits, etc.

Coverage is intended to extend to the "administration" of these plans, including counseling employees, interpreting employee benefits programs, handling records, enrolling/terminating/canceling employees in specified plans on a timely basis, etc

We provide the highest level of Employee Benefits coverages for the lowest cost.

Arroyo  can design and implement an integrated program that benefits all employees and holds the line on company costs. We work with all of the major insurance carriers and will provide you with timely market and premium comparisons, analysis, and insurance carrier interface and plan compliance. At Arroyo, we have developed a 7-step guide for creating an effective benefits program,  which results in a package that is uniquely your own. Our 5-star benefits program helps you to design a well-rounded plan consistent with your total compensation plans and philosophy.

Health Savings Account Plans and Administration - Offers tremendous savings and tax advantages for employees enrolled in High Deductible Health Plans. The funds contributed are not subject to federal income tax at the time of deposit.

Dental insurance - Covers routine and some special procedures related to oral hygiene and tooth care. Some insurance plans also include Orthodontic coverage.

Our focus is:

  • Reducing your benefits administration
  • Providing the highest level of benefits for the lowest cost
  • Improving employee wellness
  • Expert advice and assistance at your disposal
  • One point of contact and a dedicated service team for your HR manager
Employment Practices Liability Insurance (EPLI)

Reliable coverage and dependable service:
If you employ one person or you employ a thousand people, you face a unique risk. Employers are under greater mandates today than ever to provide a workplace free of discrimination and any appearance of unfair treatment. Good faith job actions, such as a written warnings, suspensions and terminations often result in employee retaliation. We know your desire is to do what is best for your company and your staff, but risk is inherent in human resource management. Legal expenses to merely defend one claim can be extraordinary. Let us show you how you can transfer this risk to an insurance company at a premium that is surprisingly affordable.

Some of the allegations covered by Employee Benefits protection are:
  • Wrongful dismissal, discharge, or termination of employment
  • Breach of any oral or written employment contract or quasi-employment contract 
  • Employment-related misrepresentation 
  • Violation of employment discrimination laws (including workplace harassment) 
  • Wrongful failure to employ or promote 
  • Wrongful deprivation of a career opportunity 
  • Negligent evaluation 
  • Invasion of privacy 
  • Employment-related defamation 
  • Employment-related wrongful infliction of emotional distress 
  • If you are have or are hiring employees, you should review your options with an Arroyo Agent to learn more.
Our focus is on
  • Assessing insurable risk unique to your business 
  • Providing solutions for managing your risks 
  • Tailoring insurance solutions specific to your business 
  • Providing the highest level of insurance coverage for the lowest cost 
  • Expert advice and risk evaluation assistance at your disposal 
  • A single point of contact and a dedicated service team for your commercial insurance, orEmployee Benefits needs!

U.S. States Available

  • U.S. States Available:
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Serving California!

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Arroyo Insurance Services has other insurance programs like Auto Insurance in Arroyo Grande, CA.