Barbara C. Oberman Insurance Services is a full service insurance brokerage firm specializing in small to mid-size companies.    We offer employee benefits packages tailored for your workforce and your budget as well as commercial insurance products to protect your business's financial future.   All of this with personal service and customized solutions.  We take the time to understand your business.  Our focus is on you!

From startups to fast growth to established companies we have the products and services that you need.   We make a complex process simple and work hand in hand to help your business flourish.

We are dedicated to understanding each business or organization.  Our focus is meeting your unique needs!

Are You a Startup?

Let us find the right insurance for your business.


Health & Benefits Consulting

We aggressively market your plan to provide options to enable you to make the best decisions for your company. 

Read More

HR & Technology Solutions

We offer you modern technology to streamline HR administration.

Read More


We keep you informed and help stay compliant with the ACA, State and Federal regulations. 

Learn More

Business Insurance Services

We offer a wide array of products and services.

Read More

Long-Term Care Insurance

We help you protect your savings from the healthcare costs not covered by medical insurance.

Read More

Time to Expect More from Your Benefits Agent.




Schedule a Consultation Now!

We provide answers to your questions in a comfortable, no-pressure enviroment.

  • 05

    7:30 am-9:30 am

    Why the *PIP* Won’t You Improve – Writing Effective Memos to Employees for Counseling, Discipline, Performance Improvement Periods and Termination

    Most employers realize that documentation of employee performance issues and clear termination memoranda is a critical step in motivating performance and defending against future claims. The question remains, however: what exactly should be in that documentation? In this practical and informative seminar, employment law attorney Karen L. Gabler will discuss the detailed steps involved in creating an effective performance memo.

    Topics covered will include the following:

    What is a PIP?
    What kind of memo should I write?
    How do I start the memo?
    How much detail is necessary?
    How far back should I go?
    How many examples do I need?
    How long should the memo be?
    How can I let them know this is serious?
    How do I explain what kind of improvement is necessary?
    What do I have to say in every memo?
    What should I never say in any memo?
    What do I do next if they won’t sign it? (hint: writing “refused to sign” on the memo is not enough!)
    Why isn’t my employee “getting it”?
    What if I don’t want to make my employee feel bad?
    What if I know my employee is going to be angry with me?
    Can’t I just say “it’s not a good fit?”
    Why bother writing a memo if I’m an at-will employer?



  • 18

    7:30 am-9:30 am

    Political Correctness at Work: Where to Draw the Line

    Many employers are uncertain about how far they must go to police the words and actions of employees at work. Do you need a policy against bullying? How should you reconcile employees’ competing sensitivities regarding politics and religion? Can you still require employees to follow a dress code? In this program, you will learn how maintaining a too “politically correct” workplace can backfire.

    Learning objectives:

    Learn how to draft a policy against harassment that will not encourage complaints from hypersensitive employees
    Learn the limits of “freedom of speech” in the workplace
    Learn how far you must go to accommodate employees’ religious beliefs and practices

    Program Agenda

    7:30am – 8:00am: Registration & Welcome
    8:00am – 9:30am: Speaker Presentation

    Where: The City Club
    555 S Flower St
    51st Floor
    Los Angeles, California 90071
    United States

    Presenter: Marilyn Monahan & Nathan Ackeret


  • 19

    7:30 am-9:30 am

    Diversity: Down Hill Slope, Uphill Climb

    Socio-political challenges to the importance of diversity in U.S. culture have made the discussion of diversity more important than ever. Human Resources professionals must balance these challenges with the need to continue to promote diversity. As a result, HR professionals will need to engage in difficult discussions at every level of the organizations they serve.

    This program aims to frankly discuss the socio-political challenges to diversity today and to offer HR professionals guidance as to how to perform their role as a diversity champion while recognizing the different emotions and viewpoints within their workforce and even within themselves.

    Attendees Will Take Away:

    An overview of recent socio-political events affecting the diversity discussion in society and in the workplace;
    Strategies for recognizing and overcoming personal biases; and
    Techniques to promote empathy and transcend biases to become a more effective champion of diversity in your workplace.

    Where:Spanish Hills Country Club
    999 Crestview Ave
    Camarillo, California  93010
    United States
    Presenter:Kay Diamond & Mary Lantgen





  • 20

    7:30 am-9:30 am
    Sportsmen's Lodge
    12833 Ventura Boulevard Studio City, CA 91604 “The Oak Room”

    ““Boo! The Scariest Letter You’ve Ever Received?? What To Do When Your Business Has Been Sued.””

    •“Help, my company has been sued!” Learn what steps you should immediately take to protect your business when you have been served with a lawsuit.
    •What do you need to do when you receive a charge or complaint of discrimination from the EEOC or the DFEH?
    •Learn what steps you need to take when you receive a letter from an attorney demanding an employee’s personnel file and/or payroll records.
    •The first 90 days are often the most critical. Learn what you should do and what you should not do in order to mitigate damages and defend your company in a lawsuit.
    •Learn a step-by-step guide regarding exactly what the employer is required to produce when it receives an audit questionnaire from EDD.

    Presenter:  Roxana E. Verano, Esq. and Christopher L. Moriarty, Esq., and Marie D. Davis, Esq

    Time:  7:30 a.m. to 9:00 a.m.

    Cost:  FREE! Workshop includes a complimentary Continental Breakfast and all workshop materials.

  • 24

    7:30 am-9:30 am

    “TONIGHT WE’RE GONNA PARTY LIKE IT’S (ALMOST) 2018…” An Employer’s Top Resolutions for Every New Year

    Have you made your New Year’s (employment law) resolutions?

    “Out with the old, in with the new” ….the end of any year brings with it a desire to “clean house” and prepare for the new year. California employers are no exception…what steps should you be taking at the end of each year to close out the past year and prepare your workplace for the new year?

    In this practical and informative seminar, employment law attorney Karen L. Gabler will discuss the workplace “best practices” every California employer should implement at the end of each calendar year. Topics covered will include the following:

    Revision of compensation models
    End-of-year bonuses
    Alteration of payroll practices
    Training programs and checklists
    Recruiting and organizational review
    Budgeting for human resource issues
    Personnel file audits
    New hire and orientation checklists
    Incentive programs and productivity boosts
    Workplace culture reviews
    Wage and hour audits
    Human Resources best practices
    Policy reviews and audits
    Updating the critical employment documents
    Finding and implementing any new laws
    Presenting your plans to management


    Best Western Posada Royale
    1775 Madera Road
    Simi Valley, CA, 93065

    Presenter: KAREN L. GABLER


How Long-Term Care Insurance Helped My Mom

By Barbara Oberman | February 2, 2018

Long-Term care Insurance has been on my mind a lot lately. It’s been a financial life saver for my mother so I want to share a bit of her story with you in the hope that it will help you. I am sure some of you Baby Boomers will relate. It all started more than four years ago. My Mom started falling on an almost a weekly basis. I could count on a phone call from the Kaiser emergency room on Saturday afternoons. She always thought there was something she could do differently to prevent falling. After years of balance classes at the YMCA it was hard for her to accept that her balance was so bad. She still has difficulty accepting it. After multiple falls, and injuries, she reluctantly agreed to have a care giver in her home. Despite excellent care, the falls continued. As a result, we had to move mom to a residential care facility for her safety, as well as to take care of her basic needs (referred to by Long-term care carriers as activities of daily living or ADLs) including bathing, dressing and managing her medication. After living a very active life filled with family, friends, travel, and hobbies, she could no longer care for herself. Being fiercely independent, she balked every step of the way, preferring to take care of herself. Sadly, she can no longer do even the most basic ADLs. After a year at a residential care facility she was diagnosed with…

Read More

How to Save Money on Your Workers’ Compensation Insurance

By Barbara Oberman | November 21, 2017

Many business owners feel powerless to reduce their workers’ compensation costs. There is no need to feel frustrated; there is something you can do about it! Listed below are six things a business owner can implement to reduce their claim activity. Here are some money saving tips from the California Department of Industrial Relations and the experts at the Comp Monitor:   1. Develop or renew your safety program Everyone wants to work in a safe work environment but we don’t always know how to do it. In California employers are required to have an Illness Injury & Prevention Program (IIPP). Creating an IIPP doesn’t have to be expensive. The Department of Industrial Relations has an e-tool to help you develop your program or you can ask your insurance carrier. To find the e-tool go to There are many benefits to an effective IIPP program including improved workplace safety and health, better morale, increased productivity, and reduced costs of doing business. For your IIPP to be effective you must fully put it into practice in your workplace.   2. Provide employee training Many workers’ compensation injuries come from employees using the machinery and equipment incorrectly. It’s your responsibility as the employer to train each employee on how to perform their job safely. The training should include what can happen if safeguards are not performed as outlined in the training and what the consequences are if the employee avoids using those safeguards. An example would be not using protective glasses…

Read More

What Does the President’s Executive Order on Healthcare Mean for Business?

By Barbara Oberman | October 19, 2017

There is much confusion as to just what effect the President’s executive order on healthcare will have on business. Much is being said about the potential effects on individuals but the media isn’t saying much about the impact on business. Some of you may be cheering over the President’s order, and some of you may believe we are like Thelma and Louise driving over the cliff. Last Thursday morning the President signed an executive order that could remove requirements for basic benefits that are a part of the Affordable Care Act. He also proposes to give small businesses more health insurance options with the use of “association plans” to negotiate better deals for health insurance. Business groups hailed the move saying it will lower costs, increase competition and provide more options. Others believe it is potentially devastating. What does this mean for your business? Here’s the good news. Your insurance costs could go down if you decide to buy an association health plan. That sounds like a good financial decision, a great idea, it’s about time for lower health care costs, isn’t it? But are you ready for the skimpier plans with fewer benefits and higher deductibles that will accompany the lower costs? These plans may not have prescription coverage, maternity care or hospital care included. They could be offered by nationwide associations and be sold across state lines. While much depends on how the regulations are written the executive order potentially allows plans to skirt health care reform regulations…

Read More