Risk Management | Insurance | Employee Benefits | Consulting

Lower Healthcare Costs by up to 38%

With the Same or Better Benefits

Over three decades of trusted, data-driven expertise.

Real Example

Average Costs for Family Coverage Chart

Who We Are

Headquartered in Bakersfield, California since 1986, Kern Island Insurance has equipped employers with unbeatable benefits to attract new talent and retain their best employees. They work with employers across California and in other states in a wide range of industries including the Energy, Agriculture, Medical, and Construction sectors.

Benefit Options include:

  • Self-insured, Partially Self-Insured, and Fully Insured Health Plans
  • Captive Insurance
  • Dental, Vision, & Life Insurance
  • Short-term Disability, Long-term Disability, AD&D
  • Zero-deductible Executive Benefits Plans
  • And Much More…

Client Loyal, Carrier Agnostic

We serve our clients’ best interests, financially and medically. We reject carrier bonuses, and do not issue recommendations based on self-interested sales quotas.

Data Driven Solutions

We constantly analyze data from claims, employee utilization, and other factors to compare with alternatives. We aggressively reduce costs with more efficient solutions. We are backed up by years of claims data.

Human Resources Friendly

We can reduce administrative burden with options like digital enrollments, a branded website and phone app, enrollment assistance, in-house billing reconciliation, filing assistance, & more.