Business Details
43 Years
experience
Your Trusted Insurance Partner in Modesto, CA
Shepardson Insurance Services has been a trusted guide in employee benefits and individual insurance since 1983. Our independent brokerage model allows us to offer unbiased solutions from multiple carriers, ensuring clients receive coverage tailored to their unique needs. With over four decades of local expertise in Modesto, we prioritize personalized service, simplifying complex insurance processes while maintaining compliance and affordability.Our team combines deep industry knowledge with a commitment to educating clients, fostering long-term relationships built on trust and transparency. From small businesses to individuals, we provide comprehensive support through every stage of the insurance journey.
Services
Employee Benefits
Individual Medical Insurance
Life Insurance
Disability Insurance
Compliance Guidance
Details
- Year established: 1983
Highlights and features
- We offer 40+ years of local insurance expertise in Modesto.
- Our independent brokerage model ensures unbiased carrier comparisons.
- Personalized service prioritizes client education and transparency.
- We provide ongoing compliance guidance for employee benefits.
- Local knowledge informs tailored solutions for California businesses.
What people say
Outstanding service
Patient educators
Trusted advisors
Local expertise
Reliable support
Services
Employee Benefits
We specialize in designing comprehensive employee benefit packages for small businesses with 5-50 employees. Our services include competitive quotes from all California carriers, compliance guidance, and annual enrollment support. As an independent broker, we ensure businesses receive tailored solutions that balance affordability and quality while maintaining regulatory compliance throughout the policy lifecycle.
Individual Medical Insurance
Our team provides expert guidance for individuals navigating California's mandatory health insurance requirements. We assist with Covered California applications, Medi-Cal/Medicare enrollment, and private plan selections. We simplify complex insurance terminology, compare options from multiple carriers, and ensure clients understand their coverage details to make informed decisions that meet both their healthcare needs and budgetary constraints.
Life Insurance
We offer term and permanent life insurance solutions for individuals and business owners. Our process includes needs analysis, policy comparisons, and application assistance. We educate clients on estate planning considerations, help determine appropriate coverage amounts, and connect them with legal professionals for will and trust creation to ensure comprehensive financial protection for their families or business interests.
Disability Insurance
Our disability insurance services protect clients' primary financial assettheir income. We provide free consultations to assess coverage needs, compare policies from top-rated carriers, and explain benefit structures. We emphasize the importance of income replacement for mortgage payments, daily expenses, and business continuity, ensuring clients understand policy terms and exclusions before purchasing coverage.
Compliance Guidance
We offer ongoing compliance assistance for businesses offering employee benefits. This includes explaining current regulations, connecting clients with third-party compliance experts, and ensuring proper documentation during enrollment. Our guidance helps businesses avoid penalties through proper implementation of federal and state requirements while maintaining smooth operations of their benefits programs.
People
Keith Shepardson
Owner
With nearly four decades in insurance, Keith Shepardson founded the agency in 1983. He specializes in life & health insurance, combining deep local knowledge with a client-first approach to deliver personalized solutions for Modesto businesses and families.
Cortney Shepardson
Account Executive
Cortney Shepardson joined the family business in 2020, applying her problem-solving skills from a decade in winery engineering. She focuses on individual insurance solutions, bringing analytical precision and compassionate service to clients' coverage needs.
Questions
What employee benefits do you specialize in?
We specialize in small group health, dental, vision, life, and disability insurance for businesses with 5-50 employees, including compliance guidance and enrollment support.
Do you help with individual health insurance?
Yes, we assist with Covered California, Medi-Cal, and private health insurance plans, explaining options and helping select coverage that meets your needs and budget.
How does your life insurance process work?
We conduct a needs analysis, explain term/permanent options, help determine coverage amounts, and connect you with estate planning attorneys for comprehensive protection.
What areas do you serve?
We primarily serve Modesto and the Central Valley region of California, with expertise in state-specific insurance regulations and local market conditions.
How do you stay compliant with insurance laws?
We partner with compliance experts, provide ongoing education, and ensure proper documentation to help businesses maintain regulatory compliance for their benefit programs.
What makes you different from other agencies?
Our 40+ years of local experience, independent brokerage model, and personalized approach create tailored solutions that balance affordability with comprehensive coverage for each client.
