Hi, we’re HUB. We advise businesses and individuals on how to reach their goals. When you partner with us, you’re at the center of a vast network of risk, insurance, employee benefits, retirement and wealth management specialists that bring clarity to a changing world with tailored solutions and unrelenting advocacy. So you’re ready for tomorrow. About Hub International Headquartered in Chicago, Illinois, Hub International Limited (Hub) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, Hub’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit hubinternational.com.

InterWest was founded in 1992 as a result of the merger of three large successful insurance brokerage firms located in Northern California. Our aggressive entrepreneurial and acquisition efforts have extended our footprint into Central California and the San Francisco Bay Area. Our unyielding commitment to reinvesting in our staff, diversified products & services and innovative technology consistently places us among the top performing insurance and consulting brokerages in the country. We offer unparalleled expertise in all lines of property and casualty, workers’ compensation, employee benefits and personal insurance coverages, as well as a full range of surety products. Although we operate principally in California, we are licensed to write business in all 50 states and staffed to service clients with locations throughout the nation.

Parminder Kaur Dharni, based in Yuba City, CA, offers tailored employee benefits brokerage services with a focus on meeting the unique needs of each client. With valuable experience serving self-funded employers, Parminder has developed a keen understanding of the intricacies involved in creating effective, customized benefits solutions that align with the goals and budgets of businesses. Notably, Parminder has successfully collaborated with clients such as NEW LEGEND, INC. and NEW LEGEND TRANSPORTATION, demonstrating a commitment to excellence and a deep understanding of the challenges and opportunities within the employee benefits landscape. By prioritizing clear communication, meticulous attention to detail, and a personalized approach, Parminder Kaur Dharni ensures that each client receives the highest level of service and expertise in navigating the complexities of employee benefits planning and implementation.

Dale Penne E's insurance brokerage office in Chico, CA, under the banner of Firm Foundations Insurance & Benefits Center, offers a distinct blend of personal experience and professional expertise in the field of health insurance and employee benefits. Led by Dale Penne, who has a deep understanding of the challenges and intricacies of health insurance due to his family's experiences, the firm focuses on building trust through attentive listening, educating clients about their options, and guiding them to obtain the best value in compliant plans. The team at Firm Foundations is characterized by their diverse backgrounds, encompassing various fields like restaurants, medical offices, accounting, and finance. This eclectic experience pool enables them to relate to clients on multiple levels, contributing to their passion for helping people. They pride themselves on providing knowledgeable and high-caliber service, striving to produce the best outcomes for their clients. This location specializes in working with local and regional employers, particularly in the individual and family services industries, showcasing significant expertise with clients like the Tehama County Opportunity Center. Their focus on medical and ancillary benefits, combined with their commitment to superior service and the use of current tools for success, positions them as a valuable resource for employer benefits buyers evaluating insurance options in the Chico, CA area.

Dayton Sayer Insurance Agency, Inc., based in Chico, CA, presents a unique blend of local knowledge and expertise, particularly adept in catering to midsize employers. This insurance broker has carved a niche in providing medical and ancillary benefits, demonstrating a strong understanding of the specific needs and challenges faced by regional businesses. Their portfolio showcases significant experience with local and regional employers, indicating a deep-rooted familiarity with the business landscape and the ability to offer tailored solutions. One of their prominent clients, Far Northern Coordinating Council On Developmental Disabilities Dba Fa, operating in the community food, housing, emergency, and relief services sector in California, underscores Dayton Sayer's capability to manage complex insurance needs. With 280+ participants, this client's experience reflects the broker's proficiency in handling large-scale insurance requirements while maintaining a focus on individualized service. As part of a local brokerage firm, Dayton Sayer Insurance Agency, Inc. benefits from the agility and personalized approach that smaller, community-focused entities can provide. This aspect allows them to maintain close relationships with their clients, ensuring that each employer receives a bespoke service experience. Their demonstrated experience with midsize employers is particularly noteworthy. This suggests an ability to balance the scalability of benefits solutions with the personalized attention that midsize companies often require. Such a skill set is invaluable for businesses in this category looking for a broker that understands their unique position and growth trajectory. In summary, Dayton Sayer Insurance Agency, Inc. stands out as a knowledgeable and client-focused broker, adept at navigating the complexities of insurance needs for midsize, local, and regional employers in the Chico, CA area. Their track record, exemplified by their work with notable local clients, positions them as a reliable partner for employer benefits planning and management.

Evo's Chico, CA office stands as a formidable presence in the insurance brokerage landscape, leveraging its extensive experience to cater to the diverse needs of local and regional employers. Boasting a larger office space, Evo specializes in tailoring comprehensive medical and ancillary benefit solutions for midsize employers. Their proficiency is underscored by a track record that includes serving prominent clients like Gonzales Park and Project Fusion. Gonzales Park, an apparel, piece goods, and notions merchant wholesaler with over 170 participants, and Project Fusion, a specialized design services industry leader with 240+ participants, both attest to Evo's ability to navigate the intricacies of various sectors. Aligned with a local brokerage firm, Evo Chico combines a deep understanding of the regional business landscape with the resources of a broader network. Their dedication to the apparel, piece goods, and notions merchant wholesaler, as well as specialized design services industries, reflects a nuanced approach that goes beyond a one-size-fits-all solution. With a focus on midsize employers, Evo Chico brings forth a wealth of expertise, ensuring that businesses receive tailored, effective benefit packages that align with their unique requirements.

I was a member of the Media Relations team, pitching to national and local media for: Six Flags, the Museum of Broadcast Communications, The Morton Arboretum, The British School of Chicago, the American Academy of Dermatology, and the Medical Library Association. My responsibilities also involved monitoring media coverage and drafting press releases, media alerts, and case studies. In addition, I planned and participated in the organization and execution of special events for clients, notably including the opening of Six Flags “Hurricane Harbor” and the opening of The Morton Arboretum’s new Children’s Garden.

David Ernstam Financial & Insurance Services, situated in Yuba City, California, stands out as a reputable and locally integrated brokerage firm specializing in employer benefits. This broker is particularly adept at catering to small employers, showcasing a deep understanding of the unique challenges and needs faced by this segment. Their prowess is evident in their handling of medical and ancillary benefits, where they offer tailored solutions that resonate with the local and regional employer landscape. A testament to their expertise is the successful partnership with notable clients like Willow Glen Care Center, a key player in the nursing and residential care facilities industry in California. Servicing over 80 participants at Willow Glen Care Center, David Ernstam Financial & Insurance Services demonstrates a remarkable proficiency in navigating the complexities of the nursing and residential care facilities sectors. Their ability to deliver customized, effective benefits solutions to such specialized industries highlights their depth of knowledge and adaptability. As a local brokerage firm, they bring a personalized touch to their services, understanding the intricacies of the regional market better than larger, more generic providers. This local insight, combined with their experience with small employers, positions them uniquely to offer nuanced and effective benefits strategies that are not only comprehensive but also finely tuned to the specific needs of their clients. David Ernstam Financial & Insurance Services in Yuba City thus emerges as a strong, competent partner for businesses seeking expert guidance and bespoke solutions in employer benefits, particularly in specialized industries such as nursing and residential care facilities.