Business Details
19 Years
experience
Emergency
services
Your Trusted Partner for Insurance & Risk Solutions
High Ground Insurance Services is a locally owned regional insurance broker and risk management consultant with national reach. As part of United Agencies, we combine the market impact of a national broker with tailored local service. Since 2007, our team of over 30 employees, including 11 professionals with more than 30 years of experience, has specialized in solving complex risk management challenges. Our expertise spans Workers Compensation claims management, Employee Benefits Plan Administration, Loss Sensitive Insurance Program Design, and Coverage Analysis.We serve Manufacturing, Retail, Construction, and Non-Profit clients, including Religious Institutions, while maintaining professional designations such as CPCU, CIC, ARM, and CLCS. Headquartered in Torrance, California, we support clients across Southern California and multi-state operations with customized solutions that address specific business exposures.
Services
Insurance Program Analysis
Claims Management Solutions
Employee Benefits Consulting
Human Resource Services
Alternative Program Design
Details
- Year established: 2007
Highlights and features
- We offer customized insurance solutions tailored to specific business needs
- Our team includes 11 professionals with over 30 years of combined experience
- We combine in-house expertise with strategic outside consultants for complex cases
- Our independent ownership allows flexible, innovative risk management approaches
- We specialize in industries including Construction, Manufacturing, and Non-Profits
What people say
Instrumental in protecting us
Saved us in claims
Expertise in risk management
Highly recommend
Comprehensive solutions
Services
Insurance Program Analysis
Our Insurance Program Analysis identifies unique business exposures through onsite inspections, contract reviews, and employment practices evaluations. We assess physical and human capital risks to develop customized protection strategies that reduce loss likelihood and control costs. This service helps businesses implement effective risk transfer mechanisms and alternative funding solutions like captives or self-insurance plans.
Claims Management Solutions
Specialized claims management services focus on fraud prevention, claim path correction, and cost control through expert oversight. We provide 24/7 HR consulting, OSHA compliance support, and post-termination advice to minimize liability. Our approach combines specialist intervention with carrier coordination to ensure accurate claim valuation and prevent unnecessary payments.
Employee Benefits Consulting
We create cost-effective employee benefit programs including medical, dental, disability, and life insurance solutions. Our consultants help implement Section 125 plans, consumer-driven healthcare accounts, and voluntary benefits packages. Services include compliance support for ADA, FMLA, and COBRA regulations while enhancing employee wellness and retention.
Human Resource Services
Our HR services cover wage-hour compliance, sexual harassment prevention, leave administration, and policy development. We provide employment practices reviews, real-time hotline support, and customized training programs. The team assists with hiring/termination processes, benefit plan implementation, and compliance with evolving labor regulations.
Alternative Program Design
We develop alternative risk financing solutions including self-insurance programs, retrospectively rated plans, and large deductible arrangements. These customized programs help businesses better control risk costs while maintaining adequate protection. Our approach combines actuarial analysis with regulatory compliance expertise to optimize risk funding strategies.
People
Gregory J. Martin
President/Chief Executive Officer
With over 30 years of experience, Greg specializes in risk management strategies focusing on contractual relationships, claims management, and loss control. He graduated from UCLA and leads High Ground's strategic direction while maintaining active client relationships.
Jeff Dalis
Executive Vice President
Jeff brings 20+ years of expertise in commercial insurance for complex industries like manufacturing and construction. A partner since 2016, he combines technical knowledge with creative solutions to reduce client risk exposure while maintaining operational efficiency.
Steve Carter
Executive Vice President
Specializing in workers compensation cost reduction, Steve leads a team of consultants helping businesses improve profitability through creative risk management strategies. He holds the Commercial Lines Coverage Specialist designation and focuses on complex claims interventions.
Kristen Bichlmeier
Vice President of Operations
With 35 years in insurance, Kristen oversees staff development and operational excellence. Her career includes leadership roles at major agencies, and she currently serves on High Ground's Board of Directors while managing training and client service standards.
Ralph Lilly
Senior Vice President
Ralph brings 35+ years of experience in safety programs and workers compensation management. He develops customized action plans to eliminate profit drains for businesses while providing expert guidance on Affordable Care Act compliance and human resource challenges.
Questions
What industries do you specialize in?
We specialize in Construction, Manufacturing/Distribution, Retail/Wholesale, and Non-Profit/Religious Organizations with tailored risk management solutions.
How do you handle workers compensation claims?
Our dedicated team provides 24/7 oversight, fraud detection, and claim path correction while coordinating with carriers to ensure proper valuation and cost control.
Do you offer employee benefits consulting?
Yes, we design comprehensive benefits packages including medical, dental, disability, and retirement plans with compliance support for evolving regulations.
What makes you different from other brokers?
We combine independent ownership with national resources, offering customized solutions rather than cookie-cutter approaches through experienced industry specialists.
Can you help with contract risk assessment?
Our contract analysis service identifies transferred risks and insurance implications in agreements with vendors, tenants, and subcontractors to protect your business interests.
Do you provide safety program development?
Yes, we design and implement OSHA-compliant safety programs with hazard inspections, training, and emergency preparedness tailored to your specific operations.
