Business Details
24 Years
experience
Custom Employee Benefit Solutions
Morrison Insurance Services has been a trusted leader in the insurance and employee benefits industry since 2002, providing tailored solutions for small to midsize businesses across 16 states. Our team of experts, including industry-recognized professionals with decades of combined experience, specializes in designing comprehensive benefit programs that align with client goals while prioritizing cost-effectiveness and service excellence. We maintain a client-centric approach, acting as an extension of HR departments to ensure seamless implementation of medical insurance, retirement plans, and voluntary benefits. Our commitment to innovation is demonstrated through our Inc. 5000 recognition and six-time designation as one of San Diego's fastest-growing private companies.We adhere to the highest standards of professionalism, maintaining affiliations with major industry organizations and continuously adapting to regulatory changes like healthcare reform to provide objective guidance. Our team's extensive credentials, including RHU, REBC, and CLU designations, ensure clients receive expert advice on complex multi-state and international benefit structures. We emphasize transparency in all operations, offering personalized support for plan selection, implementation, and ongoing management while maintaining active involvement in legislative advocacy through organizations like NAHU and CAHU.
Services
Health Insurance
Life Insurance
401(k) Plans
Flexible Spending Accounts
COBRA Administration
Pet Insurance
Vision Plans
Disability Insurance
Employee Communications
Health Savings Accounts
Details
- Year established: 2002
Highlights and features
- 30+ years of industry experience in employee benefits
- Client-focused approach prioritizing employer goals over carrier interests
- Comprehensive service covering all aspects of benefit programs
- Team holds RHU, REBC, and CLU professional designations
- Recognized twice in Inc. 5000 and six-time San Diego growth award winner
Services
Health Insurance
We provide comprehensive health insurance solutions for businesses and individuals, offering expert guidance through plan selection, implementation, and compliance. Our services include evaluating multiple carrier options, creating customized benefit structures, and ensuring adherence to healthcare reform requirements. With expertise in indemnity, PPO, HMO, and HSA-compatible plans, we help clients balance cost, coverage, and provider networks to meet specific organizational needs.
401(k) Plans
Our retirement plan services focus on designing and implementing 401(k) solutions that meet employer and employee financial goals. We offer plan customization, tax optimization strategies, and ongoing administration support. Our team helps businesses understand contribution limits, investment options, and compliance requirements while ensuring alignment with overall compensation strategies and employee retention objectives.
Flexible Spending Accounts
We administer Section 125 cafeteria plans that allow employees to pay for qualified medical and dependent care expenses with pre-tax dollars. Our services include plan design, tax savings analysis, and implementation guidance to maximize benefits for both employers and employees. We provide comprehensive support for premium payment accounts, healthcare reimbursement arrangements, and dependent care spending accounts.
Life Insurance
We offer tailored life insurance solutions for both individual and group applications, including term and permanent coverage options. Our services help businesses implement group life programs that complement overall benefit packages while providing individual policy guidance for key personnel. We assist with underwriting processes, coverage amount determination, and integration with broader financial protection strategies.
Disability Insurance
Our disability insurance services focus on protecting businesses and employees from income loss due to illness or injury. We design long-term disability programs that replace up to 66 2/3% of income while incorporating return-to-work support services. Our solutions help employers manage workforce continuity risks and provide financial security for employees facing extended absences from work.
People
James (Jim) Morrison
President
With over 30 years in employee benefits, Jim founded Morrison Insurance Services in 2002. He holds RHU, REBC, and CLU designations and has received the Lifetime Soaring Eagle award 22 consecutive years. Jim serves on multiple industry boards and advisory councils.
Sean Greene
Agent
Sean brings 18 years of employee benefits experience, including 8 years on the carrier side with MetLife and UnitedHealthcare. He joined Morrison Insurance in 2013 after recognizing the value of local, client-focused brokerage services. Active in NAHIP leadership roles.
Heather Siems
Agent
Heather has 14 years in insurance, including leadership roles in voluntary benefits. She co-founded a benefits outsourcing agency and serves as California Vanguard Council chair for CAHIP. Holds a BS in Biology and Psychology from Arizona State University.
Kim Neisch
Senior Account Manager
Kim provides expert account management services with focus on client relationship continuity. She ensures smooth implementation and ongoing administration of benefit programs for midsize business clients.
Lea Merritt
Account Manager/Benefits Analyst
Lea combines analytical expertise with benefits administration, helping clients optimize their benefit structures through data-driven insights and market comparisons.
Questions
What types of businesses do you specialize in serving?
We specialize in serving small to midsize businesses with 2-2,500 employees across 16 states.
Do you offer both group and individual insurance solutions?
Yes, we provide both group benefit programs for businesses and individual insurance options.
What retirement plan options do you offer?
We offer 401(k) plans and pension/profit sharing arrangements tailored to business needs.
Can you help with healthcare reform compliance?
Yes, our team provides expert guidance on Affordable Care Act compliance and reporting requirements.
What sets your agency apart from others?
We act as independent brokers focused solely on client needs, not carrier interests, with specialized expertise in multi-state operations.
Do you provide ongoing support after plan implementation?
Yes, we offer continuous support including COBRA administration and employee communications materials.
