Barnett Renderos Real Estate Services
In addition to our insurance services, we also provide real estate services in CA.
We’ll Help You Protect and Plan for the Future
Louis Barnett & Associates, Inc offers a variety of employee benefits, personal insurance, and life insurance solutions to help you protect what matters most.
Our insurance agency is an independent California agency. With our help, our clients can plan for their future—whether it is combining their home and auto insurance, looking for health insurance coverage, planning employee benefits, or protecting the future of their loved ones with life insurance. It is important to us that we develop long-term relationships with our clients that will last beyond the next transaction and for generations to come.
Louis Barnett & Associates, Inc is located in Torrance, CA, and we are proud to serve businesses and individuals throughout the state of California. We are also licensed in Arizona and Nevada.
“I have been using Barnett and Associates for over 20 years. Their team has consistently provided me with excellent customer service, while offering amazing rates. They are also incredibly responsive and professional. I highly recommend!”
“As a Realtor, I have always depended on Louis Barnett & Associates, for my clients insurance needs. They will always look out for your best interests, I appreciate how they shop my clients insurance at every renewal. I highly recommend them.”
“Lou was very helpful over the phone and went out of his way to get me the best deal possible, overall my experience was great and I would happily recommend them to others.”
Our Clients Rave About Us
Check out our reviews and see why you should switch to Louis Barnett & Associates, Inc.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Progressive, Mercury Insurance, and more!
Manage Your Policies
Already a client of Louis Barnett & Associates, Inc? Visit our Service Center to make requests and manage your insurance.
One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.
Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.
When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.
A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.
Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.
Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.
Failure to have regular dental checkups can lead to more serious problems than a toothache.
Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!
Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.
Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.
Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.
Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:
- Critical illness, hospital indemnity, and cancer coverage.
- Life, dependent life, short-term, and long-term disability coverage.
- Dental care.
- Vision care.
Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?
A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.
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