Small Business Plans
We network with over 10 carriers to provide your company with the best insurance for your employees.
Senior Plans
Medicare can leave gaps in coverage, learn more which supplemental plans will be most beneficial to your changing needs
Individual Family Plans
Be present for the moments that count, and don't let the accidents and illnesses be more stressful than they need to be.
Disability Insurance
More than 60% of injuries happen off the job, meaning they are not covered by workers compensation, leaving a gap in coverage.
Health Savings Account
The HSA - when paired with a High Deductible Health plan - covers IRS approved medical expenses.
Travel Insurance
Domestic Medical plans may only cover emergencies, what about medical evacuation, visa requirements or repatriation?
Dental + Vision
Group and Individual medical plans don't cover dental and vision, but we do, we can get you affordably covered.
Life Insurance
Getting married, having a baby, buying a home, saving for education or, estate planning? Life is a beautiful journey, invest in your people."
About Us
Kardel Insurance is a business built on care — care for people, for families, and for our Central Coast community. Originating in 1962 seeing a real need for a service-oriented insurance organization dedicated to helping individuals navigate important coverage decisions with confidence and compassion.
More than 60 years later, that same mission remains at the heart of everything we do.
With decades of expertise, hundreds of hours of training we specialize in tailoring our services to meet the unique needs of those we serve.
From our team to yours, your best interest is — and always will be — our top priority.
We look forward to meeting you and helping you plan for a future filled with peace of mind.
"Kardel Insurance started at my parent's kitchen table in Orcutt and grew into two offices here on the coast. It is my pleasure to listen to your unique situation and recommend the best products for you based of years of expertise and a wealth of resources. Come on in, the team can't wait to meet you."
"Kardel Insurance Services treats my insurance like it’s their own. They listen to me and my company’s needs, bring me options, and educate me on the advantages and disadvantages of each one."
"I left my job to travel and needed insurance first to avoid high COBRA rates. I had quotes in minutes. Called for some advice. Finished my application online and was insured with no lapse in coverage."
"I have had the opportunity to work with Hans as a client on some insurance projects and have tremendous respect for his knowledge of the industry, attention to detail, and willingness to go the extra mile to ensure his clients are taken care of. I would recommend Hans and Kardel Insurance Services to anyone who desires an easier path in the insurance process.”
"Wow! You truly exceeded my expectations regarding a large claim issue. You have demonstrated true commitment to your customer. Thank you very very much for taking care of me."
Our Partners
Santa Barbara Office
