Redefining Healthcare & Benefits for Modern Employers
Bold Strategies. Smarter Solutions. Real Results.
Who We Are
Since 1986, Kern Island Insurance Services has been fiercely committed to doing things differently. As a private, family-owned agency led by father and son team, Steve and Patrick Snitchler, we strike the perfect balance: big enough to advise major employers, yet small enough to deliver homemade cookies to our clients every Christmas.
From our home base in Bakersfield, California, we punch well above our weight—delivering next-level healthcare and benefits packages to employers across country. Our secret? Relentless innovation and dedication to personalized service.
At Kern Island Insurance, excellence isn’t just our promise—it’s our family tradition.
Our Specialty
Better Employee Benefits
A thriving workforce is the cornerstone of any successful business. Attract and retain the best talent with access to a cost-effective, comprehensive employee benefits package. Empower your team, enhance their lives, and foster loyalty. Whether you’re a small business or a major enterprise, our offerings are designed to meet your unique needs.
- Nationwide networks with 90% + provider coverage
- $0 out-of-pocket options
- Employee choice of no-to-low-cost providers*
- Concierge medical & claims assistance
- Easy Online Enrollments
*For qualifying employers
Lower Employer Cost
We don’t just stay on top of the market, we get ahead of it. We empower companies of all sizes with the same strategies as Fortune 500 companies to customize their offerings and lower costs.
- Save up to 39% using our revolutionary Healthcare Model
- Predictive Analytics, Strategic Plan Design, and Proactive Claims Management – these aren’t hollow words. We stop and reduce claims before they happen
- Direct hospital, provider, and pharmacy contracts – reduces claims by up to 67%*
- Active Employee Guidance toward lower-cost alternatives
- FREE Integrated Benefits Administration System and compliance tools
- Incredible strategies for small employers – Turbo Plans, Custom Dental & Vision, & more
*For qualifying employers
We are completely transparent from the beginning on our compensation. Also, we don’t take broker bonus overrides…in other words, we’re client loyal and carrier agnostic.
Full Scope of Services
Self-funding Program
Save up to 39% on costs without sacrificing benefits or network quality. Our cost-savings formula will blow you away.
Employee Benefits
Medical, Dental, Vision, Life, Disability, Ancillary Lines, & Key Employee Plans.
Commercial Insurance
Including Workers Compensation, General Liability, Property, Professional Liability, Employment Practices, & More
Captive Insurance
If you pay over $100,000 per year for your Workers Compensation, Auto, and other lines, you could save up to 50%.
Personal Lines & Medicare
401(k) & Retirement Plans
Compliance Assistance
