Trusted Healthcare & Benefits for Employers and their Workforces
Celebrating 40 years of practical guidance, dependable service, and disciplined cost management.
Who We Are
Since 1986, Kern Island Insurance Services has served employers with a steady commitment to doing things the right way. As a private, family-owned firm, we are intentionally independent, bringing continuity, accountability, and long-term perspective to every client relationship.
From our home base in Bakersfield, CA, we serve both public and private sector employers in nearly every industry. Whether it’s a two-employee office, a mid-market energy company, or a large municipal government, the objective is the same: provide meaningful benefits, maintain financial discipline, and support a stable workforce.
Our philosophy is simple: Mission over commission. Service over sales. Results over renewals. Value over volume. Innovation not inertia.
Our advantage: disciplined judgment and a willingness to manage what others overlook.
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.
- Full-service Benefits Administration
- 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.
- Full-Service Benefits Administration and compliance
- Innovative strategies for employers of all sizes
- Self-funded models when appropriate
- Predictive Analytics and Proactive Risk Management for Self-funded Plans
- Active Employee Guidance
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.