Home Group Health Workers' Comp Our Team Join Our Team Disclosures Privacy Get a Quote → CA License #6017081

CA Licensed Independent Agency · Bay Area · Est. 2025

Protecting Your People.
Powering Your Business.

“Your Champion in Every Corner.”

Champion Insurance is a licensed, independent California agency specializing in Group Health, Workers’ Compensation, and employee benefits for Bay Area businesses. We fight for the coverage your team deserves — at a price that makes sense.

30+Carriers
$0Consult Fee
1 DayResponse
CaliforniaBased in Silicon Valley

Get Your Free Quote

Ready to talk? We’re here to help.

Optional

By submitting, you authorize Champion Insurance Agency (DBA Insurance Champion Services) (CA Lic. #6017081) to contact you. No obligation to purchase.

CA Licensed & DOI Appointed · Lic. #6017081
Independent — We Work for You, Not Carriers
Group Plans Starting at 2 Employees
Serving All of California
Small Business
Construction
Technology
Law & VC Firms
Built for Bay Area Business

Who We Serve

  • 1
    Small Businesses (1–99 employees) — California requires workers' compensation for all employers with one or more employees (CA Labor Code §3700). Group health can begin with as few as 2 enrolled employees. We make it easy and compliant.
  • 2
    Large Employers (100+ employees) — Employers with 50+ full-time equivalent employees are subject to the ACA Employer Mandate. We provide expert plan design, Section 125 cafeteria plan support, and California-specific compliance guidance.
  • 3
    Startups & Growing Companies — Launch employee benefits correctly from day one. We help avoid the compliance pitfalls that cost early-stage California companies thousands in fines and build a benefits program that scales with your headcount.
  • 4
    High-Exposure Industry Employers — Construction, manufacturing, food service, trucking, and healthcare have complex workers' comp needs. Our carrier relationships and risk classification expertise deliver competitive rates across all California industry classifications.
  • 5
    Employers Seeking a Second Opinion — Already have coverage? We'll review your current plans, costs, and compliance posture at no charge. Many clients discover savings or gaps they didn't know existed.
Schedule a Free Review →
Your Coverage Options

The Right Plan for Every Employer

  • Group Health · HMO

    Health Maintenance Organization

    Typically lower premiums with coordinated care through a primary care physician. Ideal for cost-conscious employers. Offered by Blue Shield CA, Kaiser Permanente, Health Net, and others.

  • Group Health · PPO

    Preferred Provider Organization

    Maximum flexibility — employees may see any provider in or out of network. Preferred by workforces valuing unrestricted provider choice. Available through Anthem, Cigna, Aetna, and others.

  • Group Health · HDHP + HSA

    High-Deductible Health Plan

    Lower monthly premiums paired with tax-advantaged Health Savings Accounts. An effective cost-sharing strategy for healthier workforces and employers seeking to reduce premium spend.

  • Workers' Comp

    Private Carrier & State Fund

    Mandatory under CA Labor Code §3700. Placed through admitted private carriers and the California State Compensation Insurance Fund (SCIF) across all industry risk classifications.


Compare Plans at No Cost →

Trusted Partners & Clients

Adult Day Health Care Centers
Anngine
BR Flooring
Doctor Reed Animal Hospital
Draco Electronics
John Herrera and Mayen
Knightsbridge Asset Management
LPG Development
Unique Towing
West Coast Community Bank
Zircon
Adult Day Health Care Centers
Anngine
BR Flooring
Doctor Reed Animal Hospital
Draco Electronics
John Herrera and Mayen
Knightsbridge Asset Management
LPG Development
Unique Towing
West Coast Community Bank
Zircon
Our Carrier Network

Top-Rated Carriers, Independently Compared

As a California-licensed independent agency (CA Lic. #6017081), we are appointed with the state's leading admitted carriers. We shop the market on your behalf to find you the best combination of coverage, network, and value.

+ More
The People Behind the Promise

Meet the Champion Team

A locally rooted agency built on trust. When you work with Champion, you connect directly with named, licensed California insurance professionals.

Ron Filice — Chief Executive Officer, Champion Insurance Agency

Ron Filice

Chief Executive Officer

CA License #0701962 · NV License #3863397

“I started Champion to give Bay Area businesses the straightforward, honest insurance guidance they've always deserved. You should always have a champion in your corner.”

📞 (408) 218-6368 📞 (702) 427-8136 ✉ Ron@championinsurances.com
Andrew LoCicero — Chief Operating Officer, Champion Insurance Agency

Andrew LoCicero

Chief Operating Officer

CA License #4526172

“Behind every policy is a second set of eyes. I sweat the compliance details and the coverage gaps so our clients never have to find out the hard way.”

📞 408-753-8687 ✉ andrew@championinsurances.com
Frank Saunders — VP of Sales, Champion Insurance Agency

Frank Saunders

VP of Sales

CA License #4526191

“When small businesses need answers fast, I'm the one Ron sends in. No fluff, no runaround — just real coverage that fits and gets done.”

📞 408-640-7461 ✉ frank@championinsurances.com
Schedule a Meeting

Book Time With a Champion Agent

Pick a time that works for you — 30-minute Zoom consultation, no obligation.

Grow With Us

Join the Champion Team

Are you a California-licensed insurance professional — or looking to get licensed? Champion is building a team of driven, client-focused agents in the Bay Area. We offer strong commissions, hands-on mentorship, and the independence to build your own book of business.

💰

Competitive Commissions

Industry-leading commission structures with renewal residual income. All compensation arrangements disclosed in writing per California law.

📚

Training & Support

Direct mentorship from Ron Filice (CA Lic. #6017081), carrier training, quoting platforms, and CA compliance education.

🌎

Build Your Own Book

Operate independently under the Champion brand. Your clients, your relationships — backed by our carrier appointments and infrastructure.

Group Health Insurance · Bay Area

Affordable Group Health Plans for Bay Area Businesses

From 2-employee startups to 100-person teams, Champion sources the best HMO, PPO, and HDHP plans from California’s top carriers — fully ACA compliant.

Call 408-753-8687 Request a Quote →

ACA Compliance

We keep your plans compliant with federal ACA mandates and California’s state-level coverage requirements, including the California individual mandate.

30+ Carrier Options

As an independent broker, we shop Blue Shield, Kaiser, Anthem, Health Net, and more. No carrier quotas — only the best fit for your team.

Employee Communication

Open enrollment support, employee benefit guides, and ongoing HR communications included at no extra cost.

Plan Types Available

HMO (Kaiser, Blue Shield), PPO (Anthem, Health Net), HDHP with HSA options. We design the right menu of choices for your workforce.

Renewal Management

Champion handles your annual renewal negotiation. We re-shop the market every year to ensure you’re always getting competitive rates.

DMHC & DOI Compliance

HMO plans regulated by DMHC; PPO plans by CA DOI. We explain which regulator governs your specific plan and your employee rights.

Important Notice: Under the ACA, employers with 50+ FTE employees (Applicable Large Employers) must offer minimum essential coverage or face IRS penalties. Champion can guide you through your obligations. This is general information; consult a licensed attorney for legal advice.

Workers’ Compensation · California

California Workers’ Comp — Required by Law. Handled by Experts.

Every California employer must carry workers’ compensation. CA Labor Code §3700. Champion finds the right policy for your industry, payroll size, and classification — and fights for your rate at renewal.

Call 408-753-8687 Request a Quote →
⚠ California Legal Requirement: CA Labor Code §3700 requires every employer to carry workers’ compensation insurance or be legally self-insured. Failure to secure coverage is a criminal offense (CA Labor Code §3700.5), punishable by fines up to $100,000 and/or imprisonment. Champion can help you become compliant today.

All Industries

Construction, tech, retail, restaurants, healthcare, professional services — we write workers’ comp for every California industry and NCCI classification.

Audit Defense

Annual payroll audits are mandatory. Champion prepares you for audit season, reviews classifications, and disputes incorrect charges.

Experience Mod Review

Your Experience Modification Rate (EMR) directly affects your premium. We analyze your MOD and identify steps to lower it year over year.

Claims Support

When a claim happens, we’re in your corner. We coordinate with the insurer, advocate for fair treatment, and help document the claim properly.

Frequently Asked Questions

Your Insurance Questions, Answered

Can’t find your answer? Call Ron directly at 408-753-8687.

Group Health Insurance

How many employees do I need to offer group health? +
In California, you can offer group health insurance with as few as 2 employees (including yourself as owner). Small group plans cover businesses with 1-100 employees. Champion can find options starting from just 2 covered lives.
What’s the difference between HMO and PPO? +
HMO (Health Maintenance Organization) plans require employees to choose a primary care physician and get referrals for specialists. They typically have lower premiums but less flexibility. PPO (Preferred Provider Organization) plans offer more flexibility — no PCP required, out-of-network care allowed — but usually cost more. Champion will compare both options for your workforce.
Am I required to offer health insurance as a California employer? +
Under the ACA, employers with 50+ full-time equivalent employees (Applicable Large Employers) must offer minimum essential coverage or face IRS penalties. Employers with fewer than 50 FTE employees are not federally required to offer coverage, but many choose to for recruiting and retention purposes. Champion can advise on your specific situation.
How much does group health cost per employee per month? +
California group health premiums vary widely by plan type, carrier, employee ages, and coverage level. A rough range for a small Bay Area employer is $350–$900/employee/month for medical-only coverage. Employers typically pay 50–80% of the premium. Champion shops 30+ carriers to find the best rate for your specific group.

Workers’ Compensation

Is workers’ comp required in California? +
Yes. California Labor Code §3700 requires every employer with one or more employees to carry workers’ compensation insurance or legally self-insure. This includes part-time workers, family members on payroll, and certain independent contractors under AB5. Failure to carry coverage is a criminal offense with penalties up to $100,000 and/or imprisonment.
How is workers’ comp premium calculated? +
Workers’ comp premiums are based on: (1) payroll by employee classification code, (2) your Experience Modification Rate (EMR/MOD), and (3) the insurer’s base rate for each class code. Champion reviews your payroll classifications to ensure you’re not over-insured and analyzes your MOD for savings opportunities.
What is a payroll audit and how do I prepare? +
Workers’ comp policies are audited annually after the policy year ends. The auditor reviews your actual payroll against the estimated payroll used to set your premium. If actual payroll was higher, you owe more; if lower, you get a refund. Champion helps you prepare documentation and reviews audit results for errors.

Working with Champion

How does Champion get paid? +
Champion Insurance Agency receives commissions from insurance carriers when a policy is placed. Per California Insurance Code §1724.5, we disclose all compensation arrangements and are happy to provide specific information upon request. Our compensation does not affect our obligation to find coverage that suits your needs.
How quickly can I get coverage in place? +
For workers’ comp, coverage can typically be bound within 24–48 hours for most industries. Group health has longer lead times (usually 30 days before effective date) due to open enrollment processes. If you have an urgent need, call Ron directly at 408-753-8687.
Do you serve all of California? +
Yes. Champion is licensed statewide in California (CA License #6017081). We primarily serve Bay Area businesses (San Jose, Palo Alto, San Francisco, Oakland, Santa Clara, Sunnyvale, Fremont, and surrounding cities) but can service employers anywhere in California.

Our Carriers

30+ Top California-Admitted Carriers

As an independent agency, Champion is appointed with multiple carriers. We shop them all to find your best rate — no carrier quotas, no conflicts of interest.

Champion Insurance Agency shops across California’s top admitted group health, workers’ compensation, dental, and life carriers. Carrier appointments are subject to change; contact Ron to confirm current appointments for your specific coverage need.

Blue Shield of California

HMO & PPO group health plans. Strong Bay Area network.

Anthem Blue Cross

Large PPO network with group health, dental & vision bundles.

Kaiser Permanente

Integrated HMO with Bay Area hospital system. Popular for small groups.

Aetna

National PPO & HMO carrier with competitive group health and dental options.

Health Net

Competitive HMO & PPO rates for small-to-mid Bay Area employers.

CaliforniaChoice

Private exchange letting employees choose among multiple carriers in one plan.

Centene

Managed-care carrier specializing in marketplace and government-sponsored plans.

CoPower

Group dental, vision, life & disability benefits for California small businesses.

Cypress

Benefits administration for self-funded and level-funded group health plans.

Elevance Health

Parent of Anthem Blue Cross; broad national group health and specialty coverage.

Guardian

Group dental, vision & supplemental benefits with a large provider network.

Delta Dental

California’s leading group dental carrier. Large dentist network.

Principal

Group dental, vision, life & disability plans for employers of all sizes.

TriNet

PEO bundling benefits, payroll & HR for small and mid-sized businesses.

Disclosure (CA Ins. Code §1724.5): Champion Insurance Agency, Inc. (CA Lic. #6017081) receives commissions from carriers when policies are placed. All carrier appointments are subject to underwriting approval. Not all products are available from all carriers. Carrier logos are trademarks of their respective owners and are shown for informational purposes only.

Service Areas · Bay Area & California

Group Health & Workers’ Comp for Bay Area Businesses

Champion Insurance Agency is based in San Jose and serves employers across the entire San Francisco Bay Area and greater California. Local expertise, statewide reach.

Cities We Serve

Licensed statewide in California, Champion primarily serves Bay Area businesses with in-person and virtual service.

📍 San Jose

Silicon Valley’s largest city. Group health for tech startups to established enterprises.

📍 Palo Alto

VC-backed startups and professional services. Competitive benefit packages for talent retention.

📍 Santa Clara

Home to major tech firms. Workers’ comp and group health for manufacturing and tech.

📍 Sunnyvale

Semiconductor and aerospace employers. Class code expertise for engineering firms.

📍 Mountain View

Google-adjacent tech ecosystem. Competitive group health to attract and retain talent.

📍 Cupertino

Apple supplier chain and tech firms. Strong HMO and PPO options available.

📍 Los Gatos

Professional services, restaurants, and retail. Tailored workers’ comp for every industry.

📍 Campbell

Small business hub. Affordable group health starting at 2 employees.

📍 Fremont

Manufacturing and logistics. Workers’ comp specialists for blue-collar workforces.

📍 San Francisco

SFCO and SF-specific benefit requirements. We navigate city mandates with you.

📍 Oakland

Diverse small business community. Bilingual support available upon request.

📍 All of California

CA License #6017081. Statewide service for remote-first and distributed teams.

Get a Free Quote for Your City →

Existing Clients

Client Services Portal

Request certificates, report changes, or reach Ron directly. For urgent matters call 408-753-8687 or 408-640-7461.

Coming Soon

Request a Certificate of Insurance

Standard turnaround: 1 business day. Rush requests call 408-753-8687 or 408-640-7461.

Request a Policy Change

Report a Claim

⚠ For work injuries requiring immediate medical attention: Call 911 or have the employee seek medical care first. Then contact Champion.
📞 Call Ron Now: 408-753-8687 ✉ Email Ron: Ron@championinsurance.com
Workers’ Comp Claim: Employers must provide the injured employee with a DWC-1 claim form within 1 business day of learning of the injury. Champion can walk you through the reporting process step by step.
Legal & Compliance

Important Disclosures

Effective: January 1, 2025  ·  Champion Insurance Agency, Inc.  ·  CA License #6017081

The following disclosures are provided in compliance with California insurance laws and applicable federal law. Please read carefully before purchasing any insurance product through Champion Insurance Agency, Inc.

1. Licensing

Champion Insurance Agency, Inc. is a licensed independent insurance agency in the State of California. CA DOI License #6017081. Ron Filice, CEO, CA License #6017081.

All individuals transacting insurance on behalf of Champion are required to be individually licensed by the California Department of Insurance. Verify any California license at www.insurance.ca.gov.

2. Compensation Disclosure (CA Ins. Code §1724.5)

Champion Insurance Agency, Inc. is compensated through commissions paid by insurance carriers when a policy is placed. Commission rates vary by carrier and product type. You have the right to request specific compensation information before or after purchase. Contact:

Compensation arrangements do not affect our obligation to make recommendations suitable to your needs and act in your best interest.

3. Independent Agency

Champion Insurance Agency, Inc. is not an employee, exclusive agent, or captive agent of any single carrier. We are appointed to represent multiple California-admitted carriers and may offer products from several carriers for any line of coverage. You are not obligated to purchase through any carrier we recommend.

4. Workers' Compensation Statutory Notice (CA Labor Code §3700)

Required California Notice: Every employer in California is required by law to have workers' compensation insurance or legally self-insure (CA Labor Code §3700). Failure to secure coverage is a criminal offense (CA Labor Code §3700.5) punishable by fines up to $100,000 and/or imprisonment. Champion Insurance Agency can assist in obtaining compliant coverage.

5. ACA Employer Mandate

Under the ACA, employers with 50+ full-time equivalent employees (Applicable Large Employers) are subject to the Employer Shared Responsibility provisions. Failure to offer minimum essential coverage may result in IRS penalties. Information provided by Champion is general in nature and does not constitute legal or tax advice. Consult a licensed attorney or CPA for guidance specific to your situation.

6. California Health Coverage Mandates

California imposes state-level health coverage mandates beyond federal ACA requirements. California residents who do not have qualifying health coverage may be subject to a state individual mandate penalty on their California tax return. Employers offering group health insurance may help employees satisfy this requirement. Contact Champion for guidance on California-compliant plan options.

7. Department of Managed Health Care (DMHC)

If your group health plan is regulated by the California Department of Managed Health Care (DMHC), you have the right to file an Independent Medical Review (IMR) or complaint:

HMO plans are generally regulated by DMHC. PPO plans sold to employer groups may be regulated by the CA DOI. Contact us if you need clarification on which regulator oversees your specific plan.

8. No Guarantee of Coverage

Submission of any quote request, inquiry, or application does not constitute a binding offer, binder, or guarantee of insurance coverage. All coverage is subject to underwriter approval, policy terms and conditions, and applicable CA DOI regulations. Not all applicants will qualify for all products.

9. Anti-Fraud Warning (CA Ins. Code §1871.4)

CALIFORNIA INSURANCE FRAUD WARNING: It is unlawful to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Champion Insurance Agency is required to report suspected fraud to the CA DOI Fraud Division.

10. CA DOI Complaint Rights

If you have a complaint with Champion Insurance Agency or any carrier, you have the right to contact the California Department of Insurance:

11. Non-Discrimination (ACA Section 1557 & CA Gov. Code §11135)

Champion Insurance Agency, Inc. does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. If you believe you have experienced discrimination, contact the CA DOI at 1-800-927-4357 or HHS Office for Civil Rights at 1-800-368-1019.

12. ERISA Notice

Employer-sponsored group health plans may be subject to the Employee Retirement Income Security Act (ERISA), which governs plan documents, Summary Plan Descriptions, Form 5500 filings, fiduciary duties, and claims procedures. Champion can assist with benefit design but does not provide ERISA legal counsel. Employers should consult qualified ERISA counsel.

13. HIPAA

Group health plans are subject to HIPAA privacy rules. Champion handles Protected Health Information (PHI) only as permitted by law and applicable Business Associate Agreements with carriers.

14. Contact


← Back to Home Privacy Policy →


Legal

Privacy Policy

Effective: January 1, 2025  ·  Champion Insurance Agency, Inc.  ·  CA License #6017081

We do not sell your personal information. California residents have full rights under the CCPA. Contact Ron@championinsurance.com or call 408-753-8687 to exercise your rights.

Champion Insurance Agency, Inc. (“Champion,” “we,” “our,” or “us”) is committed to protecting your privacy. This Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or contact us for insurance services.

1. Information We Collect

2. How We Use Your Information

3. How We Share Your Information

We do not sell your personal information. We may share only as follows:

4. California Consumer Privacy Act (CCPA)

As a California resident, you have the right to:

To exercise CCPA rights, contact Ron@championinsurance.com or call 408-753-8687. We will respond within 45 days of receiving a verifiable consumer request.

5. HIPAA

To the extent we handle Protected Health Information (PHI) in connection with group health insurance, we comply with HIPAA and applicable Business Associate Agreements. PHI is used only for insurance-related purposes as authorized by law.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards. No internet transmission is 100% secure. In the event of a breach affecting your rights, we will notify you as required by CA Civil Code §§1798.29 and 1798.82.

7. Cookies

Our website may use cookies and analytics tracking. You may control preferences through your browser. Disabling cookies may affect site functionality.

8. Data Retention

We retain information as long as necessary to maintain client relationships, comply with CA DOI record-keeping requirements, and meet legal obligations. Insurance-related records are retained per California Insurance Code requirements.

9. Children's Privacy

Our website is not directed to individuals under 18. We do not knowingly collect personal information from minors. Contact Ron@championinsurance.com immediately if you believe we have done so.

10. Changes

We may update this Policy periodically. Material changes will be posted on this page with an updated effective date.

11. Contact

For data privacy complaints: CA Attorney General — oag.ca.gov/privacy · CA Privacy Protection Agency — cppa.ca.gov


← Back to Home View Disclosures →


Schedule a Free Consultation

Connect Your Calendly

Replace this with your Calendly embed script. Sign up free at calendly.com, create a "30 min consultation" event, then paste the embed code here.

📞 Call Ron Instead: 408-753-8687
CI

Champion AI

● Online · CA Insurance Knowledge Base
Hi! I’m Champion AI. I can answer questions about group health, workers’ comp, and coverage options — or I can connect you with Ron directly. What can I help you with? 😊
1