Welcome to Modern Concepts Insurance Marketing, Inc.

After 30 years of serving the business insurance needs of companies in Southern California, as well as many other areas of the USA, Modern Concepts is widely recognized as an innovative leader in Employee Benefits and Workers Compensation Insurance Programs.

Working closely with business entities of all sizes, from IPO startups to large multi-state accounts, Modern Concepts has consistently produced high quality, affordable, bulletproof insurance programs that cover employees and employers alike.

In the area of Employee Benefits, we offer traditional Medical and Dental plans such as fully funded HMO, PPO, POS and EPO Designs. But we also have cutting edge HSA, Dividend Refund, Retro Priced, and Self-funded Medical and Dental Plans for those companies that want immediate cash flow savings. In addition we offer Group Term Life plans that include Employee Assistance (EAP) riders, Pre-paid Legal, SDI and LTD plans, as well as Sec 125 POP and Flexible Spending Accounts. Some of our larger clients offer our Cafeteria Benefits Program, which gives employees the choice of a variety of the above plans.

Our Workers Compensation Programs are based on your company's unique characteristics, including the services you provide, the products you manufacture, the salaries of your employees, and the frequency of your claims. Whether you have an ongoing Workers Comp plan that needs help, or one that needs to be installed for the first time, we can help you.

Once we have an understanding of how your business functions, we can secure top quality, competitively priced Workers Comp programs including hard to place payroll codes. In addition, we can fund your Workers Comp plan from a variety of fully funded plans, dividend paying, retroactively funded, or even offshore captive if necessary.

If you have a Workers Comp Program that is out of control and already unaffordable, Modern Concepts has the solution. Over the past 24 months our Claims Fraud Unit has helped close a substantial number of open claims, thereby decreasing many of our clients X-MOD's, some substantially, freeing up valuable cash flow that can be better utilized elsewhere in your business.

In addition, we offer Business Insurance Coverages such as BOP's, Property/Casualty/Product Liability, Auto, Directors and Officers (D+O), Errors and Omission (E+O), Employers Practices and Liability (EPLI), and Specialty Risks where necessary. Our BOP’s (Business Owners Package) are very comprehensive and cover every aspect of risk associated with your business. They are available as long as your annual revenues fall under $15,000,000. Above this level we have 200 insurance carriers worldwide that can offer you any level of coverage you want. We have yet to meet a business risk we couldn't insure!

One of our most popular services is our Employee Benefits Call Center, which can handle all of your individual employee needs on a 24/7 basis. Your employees can contact our call center staff through a toll free telephone number, and have any questions answered, problems solved, provider contacted, or claims issues examined in depth and resolved same day, or in a timely manner. This is a free service we offer all of our clients.

For those of you with limited Human Resource Capabilities, we offer an in-house Human Resource Consultant that can help you reduce your administrative needs for invoice corrections, new hires and terminations, on-line open enrollment, claims and provider issues, Cobra/HIPAA, and answer specific questions about employment practices and procedures. If you feel you aren't receiving timely and honest answers, the respect you have earned, or the service you deserve, please contact us at your earliest convenience. Modern Concepts will become your friend for life.

Over 600 companies from all walks of life, from three to 3,000 employees have used our insurance expertise to solve their needs over the past 30 years. Because we deliver results, we have a solid and loyal customer base, with abundant referrals.

If you are looking for high quality service, affordable pricing, timely response, respect for your premium dollars, accuracy and consistency in solving your insurance needs, then you have come to the right web-site. Please continue on to our Home Page where you can learn more about our services, register with us, or better yet contact us today. We exist because we can solve your needs.