About PHP Insurance Services

Established at the dawn of the 21st century as an independent and local firm, PHP Insurance Service Inc has grown substantially into one of Northern California’s leading full service insurance brokerage with over a hundred years of combined experiences.
We believe that knowledge and service continue to be the best insurance we can offer you. Our staff actively pursues a broad and continuing program of insurance education, and our firm participates in an intensive program of research and development activities. We seek to offer you continually improving insurance coverages and programs, as well as the efficiencies and economies produced by new applications of technology. Let us put our knowledge to work for you.
Our knowledge can help insure your future and help you meet the growing complexities and challenges of insurance.
We pride ourselves in achieving and maintaining these essentials values:
Provide superior, cost-effective risk management products and services that meet the ever-changing needs of our current and prospective clients, while continuing to strive for the highest professional excellence in the delivery of those products and services. Provide our employees with an opportunity for professional growth, personal satisfaction and financial security.
Build and maintain long-lasting, consistent, honest and profitable relationships with our insurance markets, which we recognize play a crucial role in meeting our clients’ risk management needs.
 

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.
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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.