We Help Businesses & People Make Smarter Decisions When It Comes to Insurance
Denesha Insurance Agency

I'm Terry, and We Help Businesses & People Make Smarter Decisions When it Comes to Insurance.

Properly insuring yourself is serious business

I'll show you what to look for and what question to ask about insurance

Is Your Business the Most out of Employee Benefits?

  • How comfortable are you within current value of medical, dental, vision, life, wellness, accident and other voluntary benefits at currently offer.

  • Is self insurance, partial self funding, reference based pricing, CCSB or consumer driven health plan option your company.

  • How comfortable are you with your ERISA SPD’s that nearly all companies are required to prepare? Do you have?

  • Have you initiated Cal Savers or equivalent?

  • On communication & education?

  • Are you aware of new wellness and financial wellness options?

  • How confident are you with HR, ERISA, COBRA compliance?

  • More companies qualify for free ERTC than you think, how much does your company qualify for?



You Value Your Employees and We Value You

Our promise is challenge status quo. It better way to deliver employee benefits? Is way to better for you and your employees.

Insurance Can be Difficult to Navigate as a Business

But we make simple to understand for you and your employees. We are easy to contact by phone, text, email, online schedule – link, drop by office, face time or sendup flare.

minimize business costs

Learn 8 different ways to save money and why nobody is talking about the 30% - 50% tax rebate!

Your broker and Your Concierge

We purposelly make business hours 7:30 am to 5:30 pm, so you can access us easily! Benefitsology is the process of matching benefits to your company. We perform an analysis for your business to determine the best options for you. We believe you should expect more from you broker. More value add. What have you done for me lately?


One client at time. We listen your needs, and ask the right questions to make sure have No Gaps in coverage. Your renewal is coming up, give us try to put money back your pockets. We work from client not the carrier saving you Money and more benefits to coverages.

We provide solutions your insurance needs!

We take pride in work with to clients help provide than best possible solution. This give us ability, to create bidding wars between several companies which in return help client obtain, the best deal possible. Denesha Insurance Agency have built integrity, and professionalism provide to clients. Let us help you protecting matters most to you.

We Love What We Do. Get to know us or reach out can to know you! LEARN MORE


We’re Affordable and we look out for your dollar

You’ve got better things to focus on like running your home and business. Our quotes are fast, affordable, and ready when you are.

We offer Flexible Coverages

Whether you need coverage, for new home purchases or a short-term policy for big project, We can provides solution and can help get you protected.

Ready to get covered?

Start your Quote Today!

Simply go to Contact us Today Link below the page.

I’m your Income Protector!

We Tailor To Your needs

Forget one-size-fits insurance. These exact protection your family and business needs, right when your need it most.

We aim to inspire conversations with you, helping you find better coverage, save money and maximize value when using your benefits. We consistently challenge status quo. We believe in a higher standard of service. That’s why we offer only the highest quality of benefits — without the high prices.


If you are questioning whether your current health plan is the best value for you, your company, might be worth asking that very question.


Is there better valued benefits for my company? 


It’s not really very hard, click schedule button,  We will provide Benefitsology review free of charge.

We help you identify the insurance coverage that best fits your needs. We serve the entire state of Ca. I’d love to hear from you, call me anytime!

My team and I will be happy to service you and your family to make smarter decisions and save more on insurance.

 I have the knowledge and experience to help you better understand your coverage options–whether that’s Medicare, Life, Employee Benefits, Business Insurance and more.

We are here to help and educate about making smarter decisions when it comes to insurance.

Meet Terry Denesha

He is passionate about helping you navigate personal and business insurance! Terry has years of experience working closely with clients to help them get the most out of their insurance. Learn more about him and Denesha Insurance Group. Learn more about him and Denesha Insurance Group here

Ask Terry Denesha

Remaining competitive in the hunt for the right job candidates who will propel your business to success is a struggle. Once you find the people you need, you have to convince them that your company is a better place to work than your competitors. A strategic, quality benefits package can help you attract and retain those top employees.

Employees value a well-rounded selection of benefits, and health insurance, a 401(k) plan, life insurance and dental coverage are a few of the plans that you can consider offering.

The Benefits

Benefits packages offer value to your employees and help you boost productivity and retention in a cost-effective manner. Here are a few of the advantages of offering employee benefits as part of your compensation package.

Talent Attraction and Retention

Employees highly value a good benefits package. Developing a strategic benefits package that targets specific types of employees can help attract the right job candidates to keep your organization running at peak efficiency.

Once you have these top-performing employees at your company, providing a tailored employee benefits package will serve as a barrier to them leaving—a great benefits package can be a huge advantage when looking at retention strategies because it holds more than just monetary value for the employee. A bigger salary at another company likely won’t be as strong a pull for an employee tempted to leave if the other company’s benefits package isn’t as attractive as yours.

Benefitsology™ is a place where you can learn all about benefits and discover custom solutions for your business.

Benefitsology™ process has emphasis on consumerism and education where most benefit programs lack. With my economics and efficiency background, I have a strong opinion that the future of employee benefits will need to rely heavily on ability for each of us to shop and compare. Transparency has to occur. The optimum end result is as unique as the company that is being reviewed.

It is more than study of employee benefits but also can include reviews of some business processes.

Schedule your FREE Benefitsology™ Review here

Updating policies and remaining compliant on a vast number of issues in the workplace, as well as keeping up on wellness, employee communications and other HR topics, are big concerns and can be a burden for HR departments.

Gathering information from a variety of sources can be time-consuming and tedious. You also need to ensure that you’re gathering accurate, up-to-date information, which is a challenge when using the Internet. Misinformation and confusion will not be an acceptable excuse if you are fined for noncompliance with government regulations, so finding a good source of information for HR support is crucial.

What You Need
We understand that HR departments are spread thinner than ever, yet are responsible for vitally important parts of the business: workplace compliance, policies and procedures, employee communications, benefits enrollment and much more. Researching, writing and maintaining all the information needed to stay on top of these tasks, in addition to handling day-to-day responsibilities, can be time-consuming for an overwhelmed HR staff.

For example, accurate, timely enrollment information is vital to smooth enrollment periods and happy employees, but explaining benefits to employees can take a lot of time. Good articles and explanatory materials can cut down on the time HR needs to spend face-to-face presenting and explaining basic benefit terms and information.

The Challenges
The difficulties of keeping up with changing government regulations are numerous, especially in the current environment of massive health care changes that affect businesses and individuals alike. Search engines such as Google can be used to look for information on a variety of HR-related issues, but the endless list of results can be unwieldy and difficult to sift through

Right here! Click or tap the link here to be brought to our health insurance plan comparison tool. You can either download the interactive PDF or use it right in your web browser!

You will have a trusted advisor. As benefit costs and employee expectations rise, many
employers are struggling to balance their employee needs with their own capabilities
and cotton lines. Not sure what cotton lines? Brokers will try to sell to you based on
having the lowest price, but sometimes the best value is the broker who does more than simply offering a policy—one who supports your varied business needs, including compliance, HR, wellness and more. The best value isn’t always the lowest priced. Depends on multiple factors, but if you are healthy, the least expensive plan might be the best value. Really, why do we have health insurance? In case of the God forbid event, our loved ones will have the best care available. Not simply stabilize you and release you. Then have financial debt follow you until paid.

In today’s market, pricing is similar among brokers, but only the best offer you a complete consultative package.

What a Consultative Broker Can Offer:

A consultative broker can do much more for you than just place your coverage. A consultative broker strives to be a strategic partner for your business, learning about your challenges and needs, and how he or she can support you with a variety of resources and services. They think 2-10 years ahead and develop strategy to get there.

Serving in an advisory role, a broker can develop a multi-year strategic plan to help you lower medical costs, streamline HR operations, implement a wellness program and follow through on other key initiatives.

A consultative broker can assist you by being an educational resource and strategic advisor and offer HR support.

  • As an educational resource, a broker can help you understand complicated, changing mandates that dictate health care reform compliance by providing timely legislative bulletins detailing and explaining new and changing rules, regulations and delays.
    A broker serving in this role will also be able to provide educational materials relating to benefits, wellness, and other topics of concern and interest.
  • As a strategic advisor, a broker can help you with health risk management and wellness programs. You could easily reap the benefits of a wellness program that leads to a healthier workforce, potentially triggering less absenteeism due to illness, more  productive employees and improved morale. The consultative broker can provide you with a comprehensive wellness program plan that includes everything you need to set up and implement a program and assess the outcome, leaving you with very little to do besides insert necessary information in easily customized segments.
  • As HR support, a broker can provide access to employee newsletters and benefit announcements, as well as sample documents and expert advice for crafting policies, forms, benefits summary statements, handbooks and more. A broker can also provide an online portal for employees to self-serve benefits and other information when it’s most convenient for them.

Denesha Insurance Agency can offer you a range of services, and strives to earn your trust as a resource and advisor for a variety of issues you face. We would love the opportunity to do a consultation and assess how our offerings can address your unique business needs.

Contact me at 661-397-0041 or email at terry@denesha.net.


We have implemented electronic scheduler that is designed to make it convenient for you to schedule time to talk Terry Denesha. Now you can schedule free reviews and consultations, obligation free. Schedule here.

Click the button below to compare your health insurance plans using our comparison calculator!

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