Group benefits
your employees
will actually love.
Medical, dental, vision, life, disability, payroll & compliance , built for California small businesses with 2 to 50+ full-time employees. We show up, we listen, we deliver.
Three decades. One promise.
We treat your team
like our family.
Since 1995, Rice Insurance Benefits has helped hundreds of California small businesses build long-term group benefit programs. We believe in trust, integrity, and showing up, because your employees deserve a broker who actually answers the phone.
Clients Are Family
30 years of long-term relationships built on trust, integrity, and consistent service.
We Show Up
On-site employee meetings, real conversations, and a broker your team can actually talk to.
Honest Follow-Through
We under-promise and over-deliver. Service & follow-up are non-negotiable.
Trusted Advisor
Strategic guidance for renewals, claims, compliance, and everything between.
Meet the team
in 90 seconds.
Three short clips that show exactly how we work, what we believe, and why our clients stay with us for decades , not policy cycles.
Coverage
built around you.
A full ecosystem of group benefits, payroll, and compliance , so your team is taken care of and your business stays a step ahead.
View All ServicesGroup Medical
Tailored plans from top California carriers , built around your team & budget.
Learn MoreLTD / STD & Worksite
Disability and worksite coverage to keep your team financially secure.
Learn MoreBuilt for California small business.
Medical & Dental Offices
Specialized benefits for clinical staff, hygienists, technicians and providers.
Small Law Firms
Partner-friendly group plans for attorneys, paralegals, and admin teams.
Manufacturing
Strong coverage for production crews, supervisors, and office staff.
HVAC & Skilled Trades
Affordable, flexible benefits for field technicians and trades businesses.
Real results.
Real relationships.
Owners, HR managers, and partners across the Central Valley share what 30 years of "showing up" actually looks like in practice.
"Ross has handled our group benefits for over a decade. He shows up, he answers his phone, and our team trusts him completely."
"Rice Insurance made our renewal painless. They explained every option and saved us 14% , without sacrificing coverage."
"We've worked with three brokers in 20 years. Ross is the only one who actually delivers on what he promises."
You ask. We answer.
01How many employees do I need to qualify for a group plan?+
Just 2. Once you have 2 full-time employees, you're eligible for group medical coverage in California.
02What does it cost to offer medical coverage to my team?+
It depends on the plan being offered, the age of the employees, and where they live. We'll prepare a free, custom quote so you see real numbers , not estimates.
03How are enrollments done?+
Either in-person (our favorite , we love employee meetings) or fully electronically. Whatever works best for your business.
04Do all employees have to participate in the benefits?+
No. Employees do need to be offered coverage and either enroll or formally waive it, but participation isn't mandatory.
05Can we change plans later?+
Yes. Plans can be changed at renewal , or sooner under qualifying circumstances. We'll guide you through every option.
Proudly serving
California's Central Valley.
From Fresno to Bakersfield, Modesto to Visalia , we partner with small businesses across 18 cities to deliver group benefits that work.
Secure Your Legacy
Free consultation. Honest answers. Custom plans for groups of 2–50+ employees.