Employee Benefits

Cavignac & Associates' Benefits Department specializes in providing health insurance and related products to our commercial insurance clients as well as the San Diego business community at large.

Patrick Casinelli , RHU, a specialist in these lines of coverage since 1989, heads the department.

Client Focus

We specialize in providing the right coverage at the lowest realistic price coupled with value-added risk reduction services designed to lower the employer's total cost of risk. Some of the products and coverages that we provide include:

      Medical
      Dental
      Short and Long Term Disability
      Life Insurance
      Vision Care
      Chiropractic and Acupuncture
      401(k) / Pensions / Executive Compensation / Deferred
      Compensation Plans
      Cafeteria / Flexible Spending Plans
      Medicare Part D

We are guided in all our activities and behaviors by the following principles:

Exceptional Customer Service – We constantly strive to deliver a level of service that exceeds the expectations of our clients.

Professional Excellence – We constantly strive to provide the highest level of technical expertise possible.

Outstanding Quality – Our goal is to do the job right the first time, every time: no exceptions, no excuses.

Effective Communication – We strive to communicate openly and directly, taking into consideration the feelings of others, including the need to be listened to and understood.

Integrity and Ethics – We tolerate nothing less than absolute adherence to the highest standards of integrity and ethics.

Teamwork – We recognize and appreciate the fact that everyone contributes to the common cause, and we understand that the only way we will achieve our individual and mutual goals is if we work together.

Continuous Improvement – We are dedicated to being the best we can be. As such, we always continue to seek ways to improve the services we deliver, our productivity, and our technical expertise.