PHP Insurance Services
PHP Insurance Services is an independent insurance brokerage in San Jose, California, representing 100+ carriers to provide personal, commercial, health, Medicare, life, travel, and pet insurance to individuals, families, and small businesses, with a leading position in the Bay Area's Vietnamese-American community.
- Company typePrivate
- Founded1995
- HeadquartersSan Jose, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What PHP Insurance Services does
PHP Insurance Services, Inc. is a privately held, independent insurance brokerage founded in 1995 and headquartered at 1290 Tully Rd, Suite 80, San Jose, California. The company operates as a full-service broker representing over 100 insurance carriers, providing personal lines (auto, homeowners, renters, condo, mobile home, personal umbrella, motorcycle, mechanical breakdown, boat, RV, earthquake, flood), commercial lines (Business Owners Policy, general liability, workers' compensation, commercial auto, inland marine, commercial flood, EPLI, professional liability, surety bonds, D&O, commercial umbrella, cyber liability), health and group benefits (individual and family health, dental and vision, international student, Covered California marketplace plans, group health/vision/dental), Medicare (Original Medicare, Medicare Supplement/MediGap, Medicare Advantage Part C, Part D, dental/vision/fitness), and specialty lines (travel and pet insurance). Its primary customer segments are individuals and families, small to mid-sized businesses, Medicare beneficiaries, and health insurance seekers — with a particularly strong position serving the Asian-American (notably Vietnamese-American) community in the Bay Area.
The company's core technology is a conventional insurance brokerage platform consisting of online quote request forms, an appointment scheduling system, policy management workflows, and carrier management systems. It is not a technology-first or AI-enabled platform; the competitive engine is the brokerage's human advisory service, multilingual sales capability (English and Vietnamese), and broad carrier shelf. PHP distributes its services through toll-free and local phone lines, in-person consultations at the San Jose office, online self-serve quote/contact forms, SMS communications, email marketing, social media (Facebook, Twitter, YouTube), and an extensive library of Vietnamese-language educational video content on Que Huong TV and Net V, alongside community enrollment events such as Covered CA Bus Tour activities.
PHP earns revenue through commissions paid by the 100+ insurance carriers it represents for policies sold and renewed, functioning as an independent agent working on the customer's behalf. Pricing is determined by each carrier based on individual risk profiles; PHP does not set or publicly disclose pricing. The firm has earned elite/premier/top-producer tier status with multiple major carriers (Safeco Elite Agent, Anthem Blue Cross Premier Partner, Blue Shield of California TOP Broker, Health Net Top Producer, AmTrust VIP, Midland National President's Club) and is recognized as one of the top Covered California enrollment brokerages in the state, reinforcing its distribution scale relative to its small (1-10 employee) operating footprint.
PHP Insurance Services firmographics
Firmographics- Name
- PHP Insurance Services
- Legal name
- PHP Insurance Services, Inc.
- Website
- https://phpbroker.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PHP Insurance Services is an independent insurance brokerage in San Jose, California, representing 100+ carriers to provide personal, commercial, health, Medicare, life, travel, and pet insurance to individuals, families, and small businesses, with a leading position in the Bay Area's Vietnamese-American community.
- Ownership category
- akta.pro rank
PHP Insurance Services industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
Keywords
Where PHP Insurance Services is headquartered
LocationHeadquarters
- HQ city
- San Jose
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PHP Insurance Services business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: PHP Insurance Services generates revenue through commissions paid by insurance carriers for policies sold. As an independent insurance broker, they represent multiple carriers and earn commissions based on the premiums collected from customers. They work on behalf of customers to find optimal coverage at competitive prices.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Insurance pricing varies by carrier and customer profile |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
PHP Insurance Services product offering
Product offeringCore offering
PHP Insurance Services is an independent full-service insurance brokerage that places personal, commercial, health, Medicare, travel, and pet insurance on behalf of customers by representing over 100 insurance carriers. The agency earns commissions from carriers and provides personalized consultations by phone, online, and in person at its San Jose, California office. It is licensed in California (license #0D04026) and serves as a top broker for Covered California marketplace enrollment, supporting both individual consumers and small-to-mid-sized businesses.
Product overview
PHP Insurance Services is a full-service insurance brokerage offering a comprehensive portfolio of insurance products across multiple categories. Their personal insurance offerings include auto, homeowners, renters, condo, mobile home, personal umbrella, motorcycle, mechanical breakdown, boat, RV, earthquake, and flood insurance. Their commercial insurance products encompass Business Owners Policies (BOP), general liability, workers' compensation, commercial auto, inland marine, commercial flood, employment practices liability (EPLI), professional liability, surety bonds, Directors & Officers (D&O), commercial umbrella, and cyber liability insurance. For health coverage, they provide individual and family health plans, dental and vision insurance, international student insurance, Covered California marketplace plans, and group health/vision/dental packages. Their Medicare offerings include Original Medicare, MediGap supplements, Part C (Medicare Advantage), Part D prescription drug plans, and supplemental dental/vision/fitness benefits. Additional specialty products include travel insurance and pet insurance. The company represents over 100 insurance carriers and operates as an independent insurance agency.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Vehicle insurance covering bodily injury liability, property damage liability, collision, and comprehensive coverage for cars, trucks, and other motor vehicles, placed through partner carriers such as Progressive, Liberty Mutual, Nationwide, Mercury, and Safeco for Bay Area consumers.
- Homeowners Insurance Package policy protecting homes against damages from fire, theft, and windstorm and covering personal property and liability exposure including bodily injuries on the property, placed for Northern California homeowners.
- Renters Insurance Coverage protecting renters against liabilities and personal property losses on rented properties, including liability for accidental damage to others' property and guest medical bills.
- Personal Umbrella Insurance Extra liability insurance providing additional coverage above the limits of homeowners, auto, and boat policies, covering claims excluded by other liability policies including slander, libel, and rental unit liability.
- Motorcycle Insurance Coverage for motorcycles, scooters, ATVs, and other two-wheeled vehicles including liability, comprehensive, collision, medical payments, and equipment coverage.
- RV Insurance Recreational vehicle coverage including collision, comprehensive, bodily injury liability, emergency towing, and rental car reimbursement options.
- Boat Insurance Watercraft coverage for motorboats and sailboats protecting against damages, theft, medical payments to passengers, and uninsured watercraft accidents.
- Earthquake Insurance Coverage for damages from violent ground shaking, covering dwelling, personal property, and additional living expenses with separate deductibles and limits, offered through carrier Geovera.
- Flood Insurance Coverage protecting homes and contents from water damage caused by flooding as defined by inundation of two or more acres or properties, offered through carrier Neptune Flood.
- Business Owners Policy (BOP) Package insurance for small and mid-sized businesses combining property coverage, business interruption insurance, and liability protection at lower premiums, placed through carriers such as The Hartford, Travelers, and Liberty Mutual.
- General Liability Insurance Business coverage protecting against claims of negligence, personal injury, property damage, bodily injury, copyright infringement, and advertising injury.
- Workers' Compensation Insurance State-mandated coverage providing lost wages and medical treatment for work-related employee injuries or illnesses, including services for recovery and return to work.
- Commercial Auto Insurance Vehicle fleet coverage for business purposes including bodily injury liability, property damage, uninsured motorist, and collision with combined single limit options.
- Cyber Liability Insurance Coverage for data breach liability including customer notification, identity restoration, data recovery, and computer system repair expenses for small and mid-sized businesses.
- Commercial Umbrella Insurance Additional liability layer extending coverage when primary business policies' limits are exceeded, protecting business assets from ruinous lawsuit costs.
- Directors & Officers (D&O) Insurance Liability protection for company executives against losses, defense costs, regulatory investigations, and civil/criminal actions with A-side, B-side, and C-side coverage options.
- Professional Liability Insurance Liability protection for professionals including architects, engineers, accountants, and dentists against claims of negligence or errors and omissions.
- Surety Bonds Performance guarantee bonds including contract surety (bid, performance, payment bonds) and commercial surety (license/permit, court, fiduciary, public official bonds).
- Individual & Family Health Insurance Health coverage through carriers like Anthem Blue Cross, Blue Shield, Kaiser Permanente, and Health Net offering Bronze, Silver, Gold, and Platinum plan types in PPO, HMO, EPO, and HSA formats for individuals and families.
- Covered California Insurance California health insurance marketplace enrollment enabling individuals and small businesses to purchase subsidized health coverage under the ACA. PHP is recognized as a top Covered CA enrollment brokerage in California and a Community Enrollment Leader with Valley Health Plan.
- Group Health Insurance Small and large group health coverage through Choicebuilder, CalChoice, and Covered CA Small Business with Bronze HSA, Silver, Gold, and Platinum options.
- International Student Insurance Health coverage for international F-1 and J-1 visa students studying in the USA, offered through carriers GeoBlue and HCC Medical.
- Individual Dental & Vision Insurance Dental PPO and HMO plans through Anthem, Blue Shield, and Cigna with vision coverage including access to national provider networks for individuals and families.
- Original Medicare Federal health insurance program for seniors 65+ and people with disabilities, including Part A (Hospital Insurance) and Part B (Medical Insurance).
- Medicare Supplement (MediGap) Private supplemental coverage paying copayments, coinsurance, and deductibles that Original Medicare doesn't cover, including travel coverage outside the US, offered through carriers including Midland National (President's Club).
- Medicare Advantage (Part C) Medicare Advantage Plans offered by private companies combining Part A and Part B coverage with optional vision, hearing, dental, and prescription drug coverage, placed through carriers including Aetna, Humana, and United Healthcare.
- Medicare Part D (Prescription Drug) Prescription drug coverage offered by private insurance companies with varying costs and covered medications per plan, for Medicare-eligible individuals.
- Travel Insurance Coverage for medical expenses, trip cancellation, lost luggage, and flight accidents while traveling, offered through carriers Global Underwriters, AIG Travel Guard, and Diplomat plans.
- Pet Insurance Custom pet health coverage through partners PetPartners, Prudent Pet, Nationwide, and Safeco, covering vet treatments, medications, food supplements, behavioral therapy, and wellness plans for cats and dogs.
Companies that use PHP Insurance Services
Customer profileSegments6 records
Ideal customer profiles6 records
PHP Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
PHP Insurance Services partnerships and signals
Strategic signalPartnerships
48 partnerships are on record, tiered core.
- Kaiser PermanentecoreHealth insurance carrier partner offering individual and group health plans, Medicare Advantage, and dental coverage through PHP's brokerage services.
- KempercorePersonal and commercial insurance carrier providing auto, home, and specialty insurance products.
- Liberty MutualcoreMajor national insurance carrier offering auto, home, and business insurance products.
- NationwidecoreNational insurance carrier providing pet insurance, auto, home, and business coverage.
- ProgressivecoreMajor auto and commercial vehicle insurance carrier known for competitive rates and coverage options.
- SafecocorePersonal insurance carrier (Liberty Mutual subsidiary) providing auto, home, and umbrella coverage. PHP holds Elite Agent status.
- The HartfordcoreCommercial insurance carrier providing business owner's policies, workers' compensation, and umbrella coverage.
- TravelerscoreCommercial and personal insurance carrier providing auto, home, business, and specialty coverage.
- Anthem Blue Cross of CaliforniacoreMajor health insurance carrier. PHP holds Premier Partner status and is a top producer.
- Blue Shield of CaliforniacoreLeading California health insurer. PHP holds TOP Broker status with Blue Shield.
- Health NetcoreHealth insurance carrier providing individual, group, and Medicare coverage. PHP is recognized as a Top Producer.
- AetnacoreHealth insurance carrier offering individual, group, and Medicare Advantage plans.
- CignacoreHealth insurance carrier providing dental and vision coverage through PHP's brokerage.
- HumanacoreHealth insurance carrier providing Medicare and individual health coverage options.
- United HealthcarecoreMajor health insurance carrier offering individual, group, and Medicare coverage.
- Covered CaliforniacoreCalifornia's health insurance marketplace under the ACA. PHP is among the top CA brokerages for Covered CA enrollment and a Community Enrollment Leader.
- Delta DentalcoreDental insurance carrier providing individual and group dental coverage options.
- Valley Health PlancoreCalifornia health plan provider. PHP holds Community Enrollment Leader recognition.
- Lincoln Financial GroupcoreFinancial services and insurance carrier providing life insurance, annuities, and retirement solutions.
- MetLifecoreInsurance carrier providing auto, home, and dental coverage.
- PrudentialcoreFinancial services and insurance company providing life insurance and retirement products.
- Principal FinancialcoreFinancial services company providing business retirement and insurance solutions.
- TransamericacoreInsurance and investment company providing life insurance, annuities, and retirement products.
- John HancockcoreLife insurance carrier providing individual and group coverage.
- Guardian LifecoreInsurance carrier providing life, disability, and dental coverage.
- GenworthcoreInsurance carrier providing long-term care insurance solutions.
- Mercury InsurancecorePersonal auto and home insurance carrier known for competitive California rates.
- Mapfre InsurancecoreProperty and casualty insurance carrier providing auto and home coverage.
- MarkelcoreInsurance carrier providing specialty and excess/surplus coverage.
- ChubbcoreCommercial and personal insurance carrier providing specialty coverage.
- CNAcoreCommercial insurance carrier providing business and professional liability coverage.
- The HanovercoreCommercial and personal insurance carrier providing property and casualty coverage.
- RLI CorpcoreSpecialty insurance carrier providing surety bonds and commercial coverage.
- AmTrustcoreInsurance carrier. PHP holds Vested Insurance Partnership (VIP) status with AmTrust.
- QBEcoreGlobal insurance carrier providing commercial and specialty coverage.
- USLIcoreInsurance carrier providing commercial coverage options including general liability for small businesses.
- Pacific SpecialtycoreCalifornia-focused insurance carrier providing auto and home coverage.
- ForemostcoreInsurance carrier providing specialty coverage including mobile home and manufactured housing insurance.
- GeoveracoreInsurance carrier providing earthquake coverage for homeowners and renters.
- Neptune FloodcoreFlood insurance carrier providing coverage through the NFIP and private flood insurance options.
- Midland NationalcoreLife insurance carrier. PHP is a member of the President's Club.
- PetPartnerscorePet insurance provider offering customizable pet health coverage. PHP recommends PetPartners.
- Prudent PetcorePet insurance provider offering comprehensive and wellness pet coverage plans.
- GeoBluecoreInternational health insurance provider for international students on F1 and J1 visas.
- HCC Medical Insurance ServicescoreInternational student and travel insurance provider offering Atlas Travel and Student Secure plans.
- AIG Travel GuardcoreTravel insurance provider offering trip cancellation, medical coverage, and travel assistance.
- VSPcoreVision insurance provider offering group vision coverage plans.
- AmeritascoreDental insurance carrier providing PPO dental coverage options.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
PHP Insurance Services competitors and assessment
Company assessmentBroad incumbents
- HUB International: Large North American insurance brokerage offering personal, commercial and benefits products across a wide carrier panel — broader and far larger than PHP but operates the same independent multi-carrier distribution model that defines PHP's business.
Direct peers
- Relation Insurance Services: Independent insurance brokerage distributing personal, commercial and benefits coverage across multiple carrier appointments; comparable to PHP in its independent multi-line distribution model, though larger in scale and geographic reach.
- Brown & Riding Insurance Services: Independent insurance brokerage and wholesale firm placing specialty and standard lines through multiple carrier relationships — comparable to PHP in operating as an independent, multi-carrier intermediary with a California presence.
- Hilb Group: Independent insurance brokerage platform distributing personal, commercial and life/health products via multiple carriers — directly comparable to PHP's independent agency model with a focus on multi-line distribution and community-based client relationships.
- Heffernan Insurance Brokers: Large independent insurance brokerage headquartered in Walnut Creek, California, offering personal, commercial, health and benefits products through multi-carrier representation — closely comparable to PHP's independent multi-line brokerage model in the same California geography.
Emerging players
- eHealth: Online health insurance marketplace distributing individual, family and Medicare plans from multiple carriers — comparable to PHP's health and Medicare distribution lines, but built around a fully digital, self-serve buying experience.
- Policygenius: Online insurance marketplace distributing life, disability and home/auto coverage from multiple carriers — overlaps with PHP's life and personal lines distribution, with a contrasting digital-first, comparison-shopping value proposition.
- SelectQuote: Direct-to-consumer insurance distribution platform specializing in life and health/Medicare enrollment — overlaps with PHP's individual health and Medicare brokerage practice but delivers via a digital, phone-based model rather than in-person community advisory.
- GoHealth: Medicare-focused health insurance distribution platform with a large carrier-agnostic agent network — comparable to PHP's Medicare Advantage and supplement brokerage practice but operating at significantly greater scale and digital intensity.
Others
- AIWA Capital: Asian-American-focused financial services and insurance organization serving the same community demographic as PHP — thematically adjacent as a culturally aligned financial services provider, though not a direct brokerage competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PHP Insurance Services social profiles
Digital presencePHP Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
PHP Insurance Services leadership team
Management profileNumber of profiles
PHP Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PHP Insurance Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PHP Insurance Services
What does PHP Insurance Services do?
PHP Insurance Services is an independent full-service insurance brokerage that places personal, commercial, health, Medicare, travel, and pet insurance on behalf of customers by representing over 100 insurance carriers. The agency earns commissions from carriers and provides personalized consultations by phone, online, and in person at its San Jose, California office. It is licensed in California (license #0D04026) and serves as a top broker for Covered California marketplace enrollment, supporting both individual consumers and small-to-mid-sized businesses.
Is PHP Insurance Services a public or private company?
PHP Insurance Services is a private company. It is classified as unknown and is currently operating.
When was PHP Insurance Services founded?
PHP Insurance Services was founded in 1995. It employs 51 to 100 people.
Where is PHP Insurance Services based?
PHP Insurance Services is headquartered in San Jose, United States, in the North America region.
How does PHP Insurance Services make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are PHP Insurance Services's main competitors?
HUB International is listed as a broad incumbent. Direct peers are Relation Insurance Services, Brown & Riding Insurance Services, Hilb Group and Heffernan Insurance Brokers. Emerging players are eHealth, Policygenius, SelectQuote and GoHealth. AIWA Capital is listed as an others.
Does PHP Insurance Services have an API?
No public API is recorded for PHP Insurance Services.
What industry is PHP Insurance Services in?
PHP Insurance Services's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs). Its NAICS code is 5242 and its SIC code is 6411.