About Us

About PHP Insurance Services

PHP Insurance Services, Inc. has grown substantially into one of Northern California's top full-service insurance brokerages and the leading Bay Area provider of insurance solutions among the Asian-American community. Garnering has over 25 years of experience providing the best choice from over 100 carriers for your unique insurance needs.

Our teams are led and staffed by experienced brokers and their prospective account managers. These professionals have deep expertise in the class or line of business in which they specialize, delivering tailored solutions to address our clients' risk management needs today and as their businesses evolve. We proudly provide comprehensive insurance protection for your family in the personal, commercial, health, travel, life, pet, and Medicare specialties.

We pride ourselves on maintaining excellent customer relationships and leading our office to professional accolades.

AmTrust Insurance Company Vested Insurance Partnership (VIP)
Anthem Blue Cross Ins Co Premier Partner
Health Net Top Producer
Midland National President's Club
Safeco Insurance Company Elite Agent
TOP Blue Shield of California Broker
Valley Health Plan Community Enrollment Leader
Among the top brokerages in the State of California for Covered CA enrollment

Member agency of Independent Insurance Agents & Brokers of Califorina (IIABCal)

Insurance Carriers

As independent agents, we have established long term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

Our Partners

"COVERED CALIFORNIA," "CALIFORNIA HEALTH BENEFIT EXCHANGE," AND THE COVERED CALIFORNIA LOGO ARE REGISTERED TRADEMARKS OR SERVICE MARKS OF COVERED CALIFORNIA, IN THE UNITED STATES. THIS WEB SITE IS OWNED AND OPERATED BY PHP Insurance Services, Inc., 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 NUMBERS THAT APPEAR THROUGHOUT THIS SITE BELONG TO PHP Insurance Services, Inc., AND CANNOT BE USED TO CONTACT COVERED CALIFORNIA.

An Independent Advantage

We are independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. PHP Insurance Services represents a carefully selected group of financially strong, reputable insurance companies; therefore, we are able to offer you the best coverage at the most competitive price

What is an independent insurance agent?

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it's for life, disability or health insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

Auto Insurance

Home Insurance

Personal Umbrella

Specialty Products