Auto Insurance
Liability, collision, and comprehensive coverage for your everyday vehicle.
- Liability & full coverage options
- Multi-car & multi-policy bundling
- New & used vehicle coverage
Independent Agency
CA Lic. #4173270
Certified Covered California Agent
Auto, Home, Commercial, Life, Health Insurance & Tax Services — Everything Under One Roof.
Pacific Holdings Insurance Group and Tax Services serves California with everyday auto, home, business, life, and health insurance — plus tax preparation for clients nationwide — in English, Punjabi, and Hindi.
Independent & Unbiased
Non-captive agency — we compare carriers to find your best fit, not a single company's product.
Trilingual Team
We explain coverage clearly in English, Punjabi, or Hindi — no translation gaps on policy details.
California Rooted
Built for California families, farm owners, and small businesses — not a national call center.
Every Policy, One Agent
Auto, Home, Commercial, Life, and Health Insurance — plus tax preparation — all under one roof.
What We Offer
Coverage & services built around your life
From your everyday car and home to your business, your family's future, your health, and your taxes — one call covers it.
Home Insurance
Homeowners, renters, and landlord coverage for California properties.
- Homeowners & renters
- Landlord & rental dwelling
- Multi-policy bundling
Commercial Insurance
Protection for California businesses of every size, including trucking and owner-operators.
- Business Owner's Policy (BOP)
- General liability & workers' compensation
- Trucking & owner-operator coverage
Life Insurance
Term and whole life policies to protect what matters most.
- Term life
- Whole & universal life
- Family income protection
Health Insurance
Covered California enrollment support from a certified agent.
- Covered California plans
- Subsidy & eligibility guidance
- Open enrollment support
Tax Preparation
Federal and state tax filing for individuals and businesses — all 50 states.
- Individual & business tax returns
- E-filing, federal & any state
- ITIN assistance
Health Coverage
Certified Covered California Agent
Enrolling in a health plan shouldn't be confusing. As a certified Covered California agent, we help individuals and families compare plans, check subsidy eligibility, and enroll — at no extra cost to you.
- Covered California plan comparison
- Subsidy & income-based eligibility review
- Open enrollment & special enrollment support
- Available in English, Punjabi & Hindi
This website is owned and maintained by Arun Kaushik / Pacific Holdings Insurance Group and Tax Services, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appear throughout this site belong to Arun Kaushik / Pacific Holdings Insurance Group and Tax Services and cannot be used to contact Covered California.
Meet Your Agent
Arun Kaushik, Founder & Licensed Agent
Pacific Holdings Insurance Group and Tax Services was built to give California families and businesses one trusted, trilingual advisor for their insurance and taxes — auto, home, commercial, life, health, and tax preparation — instead of juggling multiple agents who don't talk to each other.
As an independent agency, Pacific Holdings isn't tied to a single insurance company. That means shopping multiple carriers on your behalf to find the coverage that actually fits your life — whether that's a first auto policy, a growing business, protecting your family's future, or getting your taxes filed right.
6Lines of coverage
3Languages spoken
50States for tax filing
100%Independent agency
Licensed & Trusted
InsuranceCA Insurance Producer License #4173270 — Property, Casualty, Life, Accident & Health
TaxCA Registered Tax Preparer — federal & state returns filed in all 50 states
E&OErrors & Omissions insurance maintained in force
Common Questions
Frequently asked questions
Yes — our team serves clients in English, Punjabi, and Hindi, so you can discuss coverage details in whichever language you're most comfortable with.
No. Pacific Holdings is an independent, non-captive agency, which means we can shop your policy across multiple carriers to find the best fit and price for your situation.
Yes — trucking and owner-operator coverage is part of our Commercial Insurance line, alongside BOP, general liability, and workers' compensation.
Yes. As a certified Covered California agent, we can help you compare plans, check subsidy eligibility, and enroll at no extra cost to you.
Yes — we offer term and whole life policies alongside your auto, home, commercial, and health coverage.
Yes — we're a CA-registered tax preparer and can file federal and state tax returns in all 50 states, including individual and business returns, e-filing, and ITIN assistance.
Get In Touch
Let's find the right coverage for you
Tell us a bit about what you need — we'll follow up in the language you prefer.