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Unlock Your Insurance Options and Opportunities

We don’t just sell insurance, we guide you to make informed decisions with your hard-earned insurance dollars.

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WBA Insurance Agency - Logo 500


13304 Philadelphia Street, Suite 200
Whittier, CA 90601

La Quinta Insurance Services - Logo 500


51025 Avenida Mendoza, Suite 102
La Quinta, CA 92253

Finkemeier Insurance Services - Logo 500


1805 Cirby Way, Suite 7
Roseville, CA 95661

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As an independent agency, we are here to help you find the right coverage.

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WBA Insurance Agency

Helping you unlock insurance options and opportunities.

WBA Insurance Agency has a history of serving the insurance needs of California going back to 1966. When Don Barneson took over the agency in 2001, he changed the focus from simply selling insurance to educating clients on their needs and options so they can make informed decisions with their insurance dollars.

As an independent insurance agency, we shop the marketplace on your behalf to help make your insurance dollars go further. Like you, we’re also consumers, and we want to give you the options and opportunities available to you to protect the important things in life with insurance coverage you can count on.

About Our Agency

It’s Your Insurance and Your Decision

We focus on educating you so you can make an informed decision on the coverage you need, whether that’s personal insurance, Medicare, business insurance, or employee benefits.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Individual Health Insurance
Individual Life Insurance
Individual Dental Insurance
Individual Vision Insurance
General Medicare
Medicare Advantage Plans
Medicare Part D
Dental, Vision, and Hearing Plans
Hospital Indemnity Plans


Helping you understand Medicare and its various options.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Business Owners Insurance
General Liability Insurance
Commercial Property Insurance
Business Auto Insurance
Golf Course Insurance
Group Health Insurance
Group Dental Insurance
Group Vision Insurance
Group Voluntary Benefits
Group Voluntary Supplemental Life Insurance

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.


Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.


A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.


Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.


Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.


Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.


Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?


A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

Employee Benefits 101

Make sure you cover the unique risks you face with employee benefits.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for life insurance and golf course insurance.


WBA Insurance Agency + SIAA

Our partnership with SIAA benefits us as we connect our clients and their insurance risks to unique insurance carriers which are suited to handle specific risk exposures.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

WBA Insurance Agency - Logo 500

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As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.