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Company Benefits

Business Insurance for Bay Area Companies

Building a business comes with real risks — our job is to help you safeguard what you’ve built so you can stay focused on growth. Freeman Insurance provides commercial insurance solutions for small and midsize companies across Albany, Berkeley, Oakland, and the entire California business community. From high property costs to industry-specific regulations and workers’ comp rules, we help you navigate California’s complex insurance environment with clarity and confidence.

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Coverage that protects your business if someone is injured or property is damaged due to your operations.

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A bundled, cost-effective package combining liability and commercial property protection for eligible small businesses.

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Required for all California employers — protects employees after job-related injuries and keeps your business compliant.

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Short- and long-term plans that help protect income and productivity during the unexpected.

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Customizable options like voluntary life, accident plans, cancer coverage, and hospital indemnity—offered at no direct cost to the business.

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Additional support through accident, hospital, and critical illness plans to reduce out-of-pocket burden for employees.

Your Questions, Answered

  • What size business do you work with?

    We primarily support small and mid-size companies, typically between 5 and 100 employees.

  • What types of benefits can I offer my employees?

    We help you set up medical, dental, vision, life, disability, and supplemental health plans—either as employer-paid or voluntary options.

  • What are voluntary benefits?

    These are optional add-ons (like accident or life insurance) employees can choose to purchase through payroll deduction—at no cost to your business.

  • Do I have to offer all types of coverage?

    No. We’ll help you decide what makes the most sense based on your goals, team needs, and budget.

  • Can you help with compliance and renewals?

    Yes—we assist with plan selection, employee onboarding, carrier communication, annual renewals, and ensuring you’re meeting all compliance requirements.