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 privately held, 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 the state and beyond. Our secret? Relentless innovation and dedication to personalized service.
At Kern Island Insurance, excellence isn’t just our promise—it’s our family tradition.
What We Do
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
