Our Services

06Insurance Brokerage

INSURANCE BROKERAGE

Customer-Focused,
Your Trusted Insurance Broker for Peace of Mind.

As a group company of REDAC, REDAC Advantage is a bilingual insurance broker with a team dedicated to serving you. Based in Torrance, CA, we provide services nationwide. We take the time to explain complex insurance terms in a clear and easy-to-understand manner. Additionally, our dedicated claims specialists ensure smooth assistance in the event of an accident, giving you peace of mind throughout the process.

COMMERCIAL P&C INSURANCE

To allow our clients to focus on their core business, we offer outsourcing services for insurance and risk management.

Our Services

Consulting

Through detailed discussions, we identify and assess the risks you face, and propose the most suitable solutions.

Marketing

After determining the insurance strategy, we select the appropriate insurance companies, request quotes, and negotiate with each provider.

Coordination

Upon finalizing the insurance contract, we handle services such as sending invoices, issuing certificates of coverage, processing changes, and assisting with claims.

Insurance Products Overview

Commercial Package
- Commercial Property
  - Building & Structure
  - Business Personal Property
  - Stock & Inventory
  - Boiler & Machinery / Equipment Break down
- Business Income / Extra Expense
- Inland Marine
  - EDP (Electric Data Processing)
  - Equipment Floater
  - Transportation
- Crime
- General Liability
  - Products / Completed Operations
  - Personal & Advertising Injury
  - Premises Rented to you
  - Medical Payments
  - Employee Benefits E&O

Business Auto
- Auto Liability
- Physical Damage
Workers Compensation
- Workers Compensation / Statutory
- Employers Liability
Ocean Marine Cargo
Cyber
Kidnap & Ransom

Corporate Management Liability
- Workers Compensation / Statutory
- EPL / Employment Practices Liability
- Fiduciary Liability
Umbrella & Access
Foreign Liability
Professional Liability

Corporate Employee Benefits Insurance

Our team of highly specialized experts works with companies to design the most suitable employee benefits programs. From plan implementation to ongoing daily support, we provide continuous assistance.

Insurance Products and Services

Product List
- General Health Insurance
  - Group Medical, Dental and Vision
  - Group Term Life/AD&D
  - Group Short-Term Disability
  - Group Long-Term Disability
  - Group Voluntary Life Insurance, etc
- Special Programs
  - 401(k) Qualified Retirement Programs
  - Business Travel Accident Policy
  - Employee Assistance Program
  - NY Disability
  - Section 125 (Cafeteria) Plan etc.

Plan Operation Support
- Plan renewal and benchmarking
- Data Analysis of renewal contents, preparation and presentation of comparative study materials.
- Online tools to assist Human Resource Operations
- Employee Meeting, Communication and Enrollment Assistance
- Forms and Supply Arrangement
- Compliance

Benefit Management Consultation Support
- Benefits Plan Design Consultation
- Evaluation of Employer Benefits and Cost in Human Resources Strategy
- US Employee and Expatriate Employee Benefit Plan Design
- Industry Benefit Level Survey and Evaluation
- IRS-Required Testing Assistance
- Historical Coverage and Plan Research
- Benefits Plan Design Consultation

PERSONAL INSURANCE

We provide service in Japanese language that is necessary in case of emergency, ensuring peace of mind and a smooth living experience in the United States.

Insurance Products Overview

INSURANCE 01

Renters’Insurance

Renters’ insurance covers your personal property and personal liability to third parties in your daily life. Renters insurance is not compulsory, nor is it stipulated by law; however, recently property owners and property managers are increasing their requirement for renters’ insurance when leasing contracts. We strongly recommend renters insurance that includes both personal property and liability coverages as a package.

INSURANCE 02

Auto Insurance

In the United States, all vehicle owners are required by state law to have auto insurance. By enrolling in a comprehensive auto insurance policy that covers liability for bodily injury and property damage, personal injury, uninsured motorists, vehicle damage, rental car expenses, and more, you ensure compliance with state laws while receiving broad coverage for any automobile accidents.

INSURANCE 03

Umbrella Insurance

Unlike in Japan, U.S. auto insurance does not offer unlimited liability coverage for bodily injury or property damage. Umbrella insurance allows you to increase the liability limits of both your tenant and auto insurance policies. Given the potential for large settlement amounts due to lawsuits in the U.S., we highly recommend adding this coverage alongside your tenant and auto insurance for enhanced protection.

INSURANCE 04

Life Insurance

U.S. life insurance, particularly savings-type policies, combine both “coverage” and “savings.” We offer reliable and secure life insurance products with higher guaranteed interest rates than those available in Japan, providing a good balance of both protection and savings.

Please note that this insurance is only available to residents who are legally residing in CA, IL, MI, NV, OH, OR, TX, WA, or HI.

INSURANCE 05

Annuity

Annuity, a retirement plan, is an individual annuity that, unlike 401(k) plans and Individual Retirement Plans (commonly known as IRAs), is not subject to stock prices or the market, allowing you to plan your future assets with confidence. The products offered can be purchased in a lump sum, or assets can be transferred without having to cancel your 401(k) or IRA currently in place.

• Eligibility : U.S. citizens, permanent residents, and visa holders (excluding students and interns)
• States where you cannot contract : CT, FL, KS, NY, NJ, ND, SD
• Ages eligible to contract : 18 to 85 years old