Business Details
28 Years
experience
Emergency
services
Your Trusted Commercial Insurance Partner in Bakersfield
Clifford & Bradford was founded with a singular mission: to protect businesses in the most efficient and cost-effective way possible. Our team of industry experts brings decades of combined experience and strong relationships with top insurance carriers to deliver personalized solutions for clients. Unlike traditional agencies, we prioritize client needs over corporate interests by maintaining strict ethical standards, including mandatory ethics education and prohibiting policies with sunset clauses.Our unique approach combines big-agency expertise with small-agency responsiveness, ensuring clients receive immediate support, customized risk management strategies, and innovative programs like our proprietary Reward On Insurance captive insurance solution. Through a commitment to integrity, adaptability, and community impact, we empower businesses to achieve long-term prosperity while maintaining comprehensive protection.
Services
Captive Insurance
Risk Management
Commercial Insurance
Employee Benefits
Claims Handling
Policy Reviews
Loss Control
HR Support
Details
- Year established: 1998
Highlights and features
- We maintain strict ethical standards with mandatory ethics education for all staff
- Our proprietary Reward On Insurance program offers unique captive insurance solutions
- We exclusively represent clients, not insurance companies, in policy decisions
- Our team includes industry-certified experts with diverse insurance specialties
- We guarantee 24-hour response time for all client inquiries
What people say
Relentless commitment
Fast efficient service
Unsung hero
Highly recommend
Services
Captive Insurance
Our proprietary Reward On Insurance program transforms businesses from policyholders to risk owners. By establishing customized captive insurance structures, clients gain control over claims processes, retain unused premiums, and achieve predictable costs. This solution particularly benefits safety-conscious businesses paying $100K+ annually in combined liability coverage, offering significant ROI through dividend returns and loss prevention incentives.
Risk Management
Our proactive risk management services identify and mitigate potential business exposures before claims occur. Through comprehensive policy reviews and safety audits, we help clients implement preventive measures that reduce incidents. This includes specialized programs for workers' compensation, auto liability, and general liability risks, with ongoing support for maintaining compliance and optimizing coverage effectiveness.
Commercial Insurance
We offer comprehensive commercial insurance solutions tailored to specific industry needs. Our expertise spans property, casualty, liability, and specialty coverage including unique risks like equine insurance for special events. As an independent agency representing top-rated carriers, we secure competitive rates while ensuring adequate protection across multiple business sectors and operational complexities.
Employee Benefits
Our employee benefits division designs customized insurance packages for businesses seeking competitive health and welfare programs. Services include health insurance placement, 401(k) solutions, and compliance assistance with evolving regulations. We specialize in finding cost-effective options that maintain quality coverage while supporting employer recruitment and retention objectives through strategic benefit planning.
Claims Handling
Our dedicated claims team advocates for clients throughout the entire claims process. With direct access to underwriters and expedited processing protocols, we ensure timely resolution of business insurance claims. The service includes proactive loss control recommendations and dispute resolution support, maintaining transparency and prioritizing client interests in all interactions with insurance carriers.
People
Wes Bradford
Owner & President
Visionary insurance leader with 25+ years' experience building innovative risk solutions. Former insurance executive turned agency founder, recognized for pioneering captive insurance programs. Passionate about client advocacy and community development through youth athletics initiatives.
Julie Sanders
Executive VP Operations
Insurance operations executive managing day-to-day agency functions. 20-year industry veteran with expertise in claims adjudication and compliance oversight. Ensures smooth policy administration and service delivery across all client segments.
Justin Garant
WCIP Producer
Workers' compensation insurance specialist helping California businesses manage employment-related risks. Licensed agent with focus on niche markets requiring specialized coverage solutions, including unique cases like equine liability for event planners.
Crystal Bond
Producer
Employee benefits expert connecting businesses with comprehensive health and retirement solutions. Demonstrated success in simplifying complex insurance products for small to mid-sized business clients while maintaining high client satisfaction ratings.
Lorinda Hoffmann
VP, Technology
Insurance technology leader implementing digital solutions for policy management and client service. Oversees agency systems integration and cybersecurity protocols while maintaining deep understanding of insurance operations and client needs.
Questions
What makes Clifford & Bradford different from other insurance agencies?
We exclusively represent clients' interests, maintain strict ethical standards, and offer proprietary captive insurance solutions. Our team includes certified experts with diverse industry experience focused on maximizing client ROI.
Do you work with all types of businesses?
We specialize in commercial clients across various industries, particularly safety-conscious businesses paying $100K+ in annual premiums. Our expertise includes both standard and specialized coverage requirements for unique business operations.
How does the Reward On Insurance program benefit my business?
This captive insurance solution gives you control over claims processes, allows premium retention through dividends, and bases rates on your company's actual performance rather than industry averages.
Can I get personalized service as a small business?
Absolutely. We provide equal service quality to all clients regardless of size, with dedicated experts handling each account and guaranteed 24-hour response times for all client inquiries.
How do you ensure quality claims handling?
Our dedicated claims team works directly with carriers to expedite resolutions while prioritizing client interests. We maintain transparency throughout the process and provide preventive recommendations to minimize future claims.
Are your insurance recommendations truly unbiased?
Yes. Our agents don't know carrier bonus structures, can't write policies with sunset clauses, and must complete regular ethics training to ensure all recommendations serve clients' best interests.
Videos
Reviews (3)
Keariss Rangel
Jun 28, 2020
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Critical:Responsiveness
Been trying to get back on my husbands insurance for over a month now and they havent responded.
Been trying to get back on my husbands insurance for over a month now and they havent responded.
Brent Fye
Sep 06, 2019
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I have had the worst experiences over the last 8 years at Clifford in Bradford. Between my policies being shipped around to different people . Justin Grant assured me that I was insured for anything that could possibly happen. He is a bold face liar.. I had several policies with Clifford and Bradford of the last several years I've moved those policies to other Company's. Mandy maize and her group Emails are very annoying. If you're looking for somebody to take your money. And not contact you again till the policy needs to be renewed. Then Clifford in Bradford would be the best choice. Very pistzoff
Laurie Eagleson
May 05, 2018
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Literally can NOT say enough about Justin Garant and his relentless commitment to helping his clients. Justin spent nearly two weeks chasing down a vendor that would underwrite Alpacas at a wedding. Yep, I'm serious - THAT hard to find and THAT important to the happy couple on their special day. Thanks to the moon, Justin - you were the unsung hero of the day.
Xoxo
The Eagleson's & Jamieson's
Xoxo
The Eagleson's & Jamieson's
