Business Details
19 Years
experience
Emergency
services
Trusted Insurance & Risk Management Solutions in Torrance, CA
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. Our team has developed specialized techniques to solve complex risk management problems, particularly in workers' compensation claims management, employee benefits plan administration, loss-sensitive insurance program design, and coverage analysis. With over 30 employees, including 11 professionals with more than 30 years of experience, we invest heavily in staff education through professional designations like CPCU, CIC, ARM, and others.Headquartered in Torrance, California, we serve clients across Southern California and beyond, including multi-state and international operations. Our approach focuses on understanding each client's unique needs to create customized insurance programs that protect both physical and human capital. We specialize in serving manufacturing, retail, construction, and nonprofit clients, including religious institutions. Since our formation in 2007, we've maintained a commitment to flexibility, innovation, and customer focus that differentiates us from traditional insurance brokerages.
Services
Insurance Program Analysis
Claims Management
Employee Benefits
Alternative Program Design
Environmental Risk
Safety & Loss Control
Human Resource Services
Workers Compensation
Details
- Year established: 2007
Highlights and features
- We offer customized insurance solutions tailored to specific client needs
- Our team includes 11 professionals with over 30 years of industry experience
- We combine in-house expertise with strategic outside consultants for complex cases
- Our independent ownership allows outside-the-box risk management solutions
- We specialize in serving niche markets including construction and nonprofits
What people say
Instrumental in protecting us
Saved us in claims
Educating us along the way
20 years of service
Navigated complex insurance perils
Services
Insurance Program Analysis
Our Insurance Program Analysis service evaluates your business's unique risk profile through onsite inspections, employment practices reviews, contract evaluations, and current insurance policy assessments. We identify potential gaps in coverage and recommend customized solutions that include traditional insurance products and alternative funding mechanisms like captives or self-insurance. Our approach ensures your insurance program effectively protects against both physical and human capital losses while optimizing cost efficiency.
Claims Management
Our Claims Management service provides comprehensive oversight of insurance claims through monthly monitoring, quarterly reviews, and specialized interventions. We implement fraud detection protocols, claim path correction strategies, and staff training programs to prevent claim inflation. Our team works directly with insurance carriers and specialists to ensure proper documentation, timely resolution, and cost-effective outcomes while maintaining compliance with regulatory requirements like MPN and OSHA standards.
Employee Benefits
Our Employee Benefits service designs comprehensive insurance packages including medical, dental, vision, disability, and life insurance plans. We offer voluntary plans, Section 125 programs, and consumer-driven healthcare options like HSAs and HRAs. Our consultants help clients implement competitive benefit packages that enhance employee wellness and retention while ensuring compliance with regulations such as ADA, FLSA, COBRA, and HIPAA requirements.
Human Resource Services
Our Human Resource Services provide employment practices reviews, policy development, wage and hour compliance training, and sexual harassment prevention programs. We offer specialized support for hiring and termination processes, leave administration, and ADA/FMLA compliance. Our 24/7 HR hotline provides immediate guidance on employment issues, while our annual labor law updates and standardized HR forms ensure ongoing regulatory compliance and risk mitigation.
Safety & Loss Control
Our Safety & Loss Control service develops customized programs to protect physical assets and human capital through OSHA compliance audits, emergency response planning, and hazard inspections. We provide specialized training in forklift operation, ergonomics, fire safety, and driver safety programs. Our experts evaluate site-specific risks and implement protocols to reduce claim frequency and severity while improving overall operational efficiency and regulatory compliance.
People
Gregory J. Martin
President/Chief Executive Officer
With over 30 years of experience, Greg Martin specializes in risk management and insurance solutions. He focuses on contractual relationships, claims management, and loss control strategies. A UCLA graduate, he has led High Ground Insurance Services since its inception.
Jeff Dalis
Executive Vice President
Jeff Dalis brings 20+ years of experience in solving complex insurance issues for diverse industries. A Cal State Dominguez Hills graduate, he joined High Ground at inception and became a partner in 2016 with expertise in commercial insurance sectors.
Steve Carter
Executive Vice President
Steve Carter specializes in reducing workers' compensation costs for businesses. With 16+ years of experience, he leads a team of consultants focusing on claims management and loss control solutions while pursuing his CIC designation.
Kristen Bichlmeier
Vice President of Operations
Kristen Bichlmeier has 35 years of insurance industry experience, including 14 years at Dodge, Warren & Peters. She focuses on staff development and operational excellence, serving on High Ground's Board of Directors since 2010.
Ralph Lilly
Senior Vice President
Ralph Lilly has 35+ years of experience in safety programs and workers' compensation claims. He joined High Ground in 2010 after founding The Lilly Company, specializing in creating customized action plans to eliminate business profit drains.
Questions
What industries does High Ground specialize in?
We specialize in serving manufacturing, retail, construction, and nonprofit organizations, including religious institutions, with tailored insurance solutions.
Do you offer 24/7 claims support?
Yes, we provide 24/7 HR consulting and claims management support to address urgent issues and prevent claim escalation.
How do you handle workers' compensation claims?
Our workers' compensation specialists monitor claims monthly, implement fraud detection protocols, and work directly with carriers to ensure proper documentation and cost-effective resolutions.
What employee benefits services do you offer?
We provide comprehensive benefits packages including medical, dental, vision, disability insurance, Section 125 plans, and consumer-driven healthcare options like HSAs and HRAs.
Can you help with safety program development?
Yes, our safety experts develop customized OSHA-compliant programs, conduct hazard inspections, and provide specialized training in forklift operation, ergonomics, and emergency preparedness.
How do you approach insurance program analysis?
We conduct onsite inspections, contract reviews, and current policy evaluations to identify risk gaps and recommend customized solutions combining traditional insurance with alternative funding mechanisms.
