What can Patrick Anthony Arias do for you?

I use my 24 years of insurance experience to protect your family and business in a very cost effective way. How have I done that in the past?

I review your current coverage with you and answer any questions you have.99% of my reviews find that Home insurance policies have severe Gaps in coverage.

I shop and compare rates for you to get you more value for your money. I have saved my clients approximately $1,000 annually on flood insurance. Please see the Flexible Benefit Tab for discounts you may qualify for.

My schedule is flexible to accommodate your schedule.

I show families how they can grow their money tax free and access it tax free. This investment offers growth, income and protection. This investment is included in one of my many life insurance products. I can find one to fit your budget so we can protect the ones you love.

Qualified Workers Compensation clients have received rebates of $50,000 following our direction with implementing a safety incentive programs to reduce workplace injuries. I partner with Businesses to address the administrative and tactical components of managing employees. We focus on goal setting and development of the business. We develop Human Resource and risk and safety procedures for the business. We help develop administrative best practices. We focus on cultivating a culture in the business in which the supervisors and the employees drive the success of the business. All of these services are included with a workers compensation insurance package with Payroll Services. 95% of the businesses that sign up for this service stay with it.

On this website I have a video library that explains how insurance works in general terms. These videos will give you a general overview. Please call me so I can review your policy for you. My phone # is 760.702.7164.

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Flexible Benefits

I work with top rated insurance companies to provide auto, home, life and flood insurance.

These companies offer discounts for:

College graduates,
Public Employees,
Homeowner association members,
Business Owners,
California Licensed Physicians and Registered Nurses,
Law Enforcement .
Fire Fighters,

Life Insurance and Tax Free income

My team will show you a great financial tool to handle your money that will:
Financially protect your family from the premature death of a working parent
Earn a good rate of return
Your return will not be taxed nor will you be taxed when you access your money
You will have access to your money at any time
Your money will be safe and risk free of loss
The government will not tell you when you can access your money nor penalize you for accessing it.

The Internal Revenue Code Section 7702 provides the rules that dictate and regulate the insurance industry’s product development teams. These rules were written to restrict as much as possible how the policy is funded including how quickly money can be put into a permanent life insurance contracts well as the buildup of cash inside of it. The IRS developed this code because the cash accumulated inside a permanent life insurance contract grows tax deferred and you can distribute it at your discretion income-tax free and the death benefit will go to an heir completely income-tax free.

Please call me at 760-702-7164 to learn how you can take advantage of this tax code like many others are.

Low Cost Employer Resources

Low Cost Employer Resources included with Workers Compensation Insurance Policy

I offer a Workers compensation insurance policy that is packaged with a payroll processing company. This combination provides very competitive rates.


Employers are assigned a team of 4 people with high touch hands on training to assist them with running their business. The team consists of a Skilled Human Resource person, A Payroll Person, A workers compensation specialist and a Risk and Safety Person. This team will assist in writing of Employee Handbooks, Hiring and Firing of Employees, OSHA compliance, Workplace safety inspections to avoid injuries and OSHA fines and many other services.

A Branch office is located in La Quinta, CA and offers Employer Schools to train employers on industry specific training. In the past these schools covered, Forklift Safety (Train the Trainer class), Heat Illness Prevention, How to conduct an Incident Investigation, How to Prepare for a Cal/OSHA visit, How to Manage Modified Duty, How to Conduct Recordkeeping, Hazardous Communication.

Please contact me to start obtaining assistance to run your business.

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