The most valuable parts of life, protected.

  At Lieberthal Insurance Services, we believe that protecting your future begins with the right life insurance plan. Since 2009, we have built a reputation for helping families and businesses throughout California and beyond secure the coverage they need at the most competitive rates. Because we are an independent agency, we work with many of the nation’s top-rated life insurance companies, giving us the ability to shop around on your behalf. This ensures that you receive a policy tailored to your needs— not a 

one-size-fits-all solution.

We offer a wide range of life insurance options to meet both personal and business goals. For individuals and families, we provide Term Life Insurance, which offers straightforward protection for a set period of time at the most affordable premiums. For those seeking lifelong coverage with the added benefit of cash value accumulation, our Whole Life Insurance policies provide both security and stability. We also specialize in Universal Life Insurance, which combines flexible premiums with the potential for cash value growth, offering a solution that can adapt to your changing financial picture over time.

For business owners, we understand that protecting your company is just as important as protecting your family. That’s why we offer solutions such as Key-Man Insurance, which helps safeguard your business if a vital team member unexpectedly passes away. We also provide Golden Handcuff Benefits designed to attract and retain top talent by tying valuable insurance benefits to long-term employment. In addition, our Business Continuation Plans ensure that your company has the financial resources to transition smoothly in the event of unforeseen circumstances, protecting both ownership and employees.

Beyond traditional life insurance, Lieberthal Insurance Services also offers related products to provide a more comprehensive safety net. Disability Insurance can help replace income if you are unable to work due to illness or injury, while Long-Term Care Insurance provides essential support for extended medical needs later in life. By addressing these risks proactively, we help our clients reduce financial uncertainty and gain peace of mind.

Our role is not only to present options, but also to guide you through the decision-making process. Every individual, family, and business has unique needs, and our mission is to listen carefully, explain your choices in clear language, and build a strategy that supports your long-term goals. With Lieberthal Insurance Services, you can count on personalized service, decades of expertise, and access to the most trusted carriers in the industry.

When it comes to safeguarding what matters most—your family, your income, or your business—we are here to make sure you have the right coverage in place.

  At Lieberthal Insurance Services, we specialize in helping businesses of all sizes create health benefit packages that protect employees, support growth, and make financial sense. Since 2009, we have partnered with one of the largest health benefits aggregators in the Western United States, giving us access to a wide variety of carriers and plan designs. This allows us to deliver tailored solutions that meet the unique needs of each company—whether you are a start-up with just a handful of employees or a well-established enterprise with hundreds of team members.

We understand that offering competitive health benefits is more than just an expense—it is a strategic investment. By working with us, businesses often save money while actually improving the level of benefits available to employees. Health insurance is one of the most important tools for employee recruitment and retention, and we design packages that help you keep your team healthy, engaged, and loyal for the long term. With health care costs continuing to rise, our expertise ensures you are getting the best value for every dollar spent.

Our offerings span the full spectrum of group health insurance solutions, from medical, dental, and vision plans to ancillary benefits such as life insurance, disability coverage, and wellness programs. We also help employers navigate tax advantages associated with group health plans. These advantages not only reduce the financial burden on your business but also create significant savings for employees and their families. It’s one of the many reasons why more than half of Americans receive their health insurance through workplace-sponsored coverage.

What truly sets Lieberthal Insurance Services apart is our hands-on approach. We go beyond simply setting up a plan—we provide ongoing support as your business evolves. This means reviewing your benefits regularly to ensure they remain competitive, assisting with employee education to help your team understand their options, and stepping in when you need help with claims or administrative challenges. Our goal is to simplify the complex world of health benefits so you can focus on what you do best: running your business.

From the smallest mom-and-pop operation to large corporations with multiple locations, our commitment is the same: provide the highest quality benefits at the most competitive rates. By combining our long-standing relationships with major carriers, our deep industry knowledge, and our client-first philosophy, we’ve earned the trust of businesses across California and beyond.

When you choose Lieberthal Insurance Services, you are not just buying a health plan—you are investing in the well-being of your employees, the satisfaction of their families, and the future growth of your company.

 At Lieberthal Insurance Services, we provide businesses and individuals with comprehensive Property & Casualty solutions designed to protect against everyday risks as well as the unexpected. As a true one-stop insurance resource, we combine our expertise with an extensive network of insurers and insurance groups to deliver tailored coverage at competitive rates. From small start-ups to established enterprises, we have the tools and programs to safeguard your operations, your assets, and your peace of mind.

 Our commercial Property & Casualty offerings cover the full spectrum of protection a business needs to thrive. We provide General Liability, Commercial Auto, Commercial Umbrella, Earthquake, and coverage tailored for Contractors, among many other specialties. For businesses that depend on vehicles, we offer comprehensive Commercial Auto Insurance, including specialized programs for fleets. Whether your company operates delivery vans, service trucks, passenger vehicles, or a larger fleet of commercial vehicles, we design coverage to protect your drivers, vehicles, and liability exposures. From small operations with just a few vehicles to companies managing extensive fleets, our programs provide the security and flexibility needed to keep your business moving forward. 

We proudly serve a wide range of industries and professions. Our current clients include catering companies, law firms, fitness experts and gyms, barber shops, hair and makeup artists, and manufacturers with product liability exposures. We also insure film productions of all sizes and can provide specialized coverage for events—whether it’s a small community gathering or a large-scale production. Whatever your industry, our team works to understand the unique risks you face and design insurance solutions that keep you protected.

In addition to commercial coverage, we also offer personal lines of insurance to extend protection beyond the workplace. Our team can help you secure home and auto insurance, as well as coverage for earthquakes, floods, and personal umbrella liability. By bringing your personal and business policies under one roof, you gain the convenience of a single trusted advisor who understands your entire insurance picture and can help eliminate gaps in coverage.

What sets Lieberthal Insurance Services apart is our ability to align Property & Casualty coverage with our clients’ broader needs. Many of our business clients rely on us for both their health benefits and their commercial liability insurance, creating a seamless, coordinated protection plan. This integrated approach saves time, reduces costs, and ensures that no part of your business or personal life is left vulnerable.

At the end of the day, our mission is simple: to provide reliable, affordable insurance solutions that allow you to focus on growing your business and enjoying life with confidence. From A to Z, Lieberthal Insurance Services is your single-source option for all of your insurance needs.