Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
WHINS Insurance Agency LLC
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WHINS Insurance Agency LLC

Independent Insurance Agent in Palo Alto, CA

About us

'Cause everyone wins at WHINS!

Are you frustrated? Need help finding a policy but don't know where to start? We can help! WHINS is an *independent* agency, which means that we have access to many different insurance companies and can shop around to find you the best coverage at the most competitive premium. Here at WHINS we can check rates from all the top insurers including: Safeco (Liberty Mutual), Pacific Specialty (Allstate), Travelers, Mercury, Allied (Nationwide), MetLife and many, many more. In addition to rate and coverage, WHINS offers the BEST service in the industry. When you call your agent at WHINS, you'll be treated like part of the family by an agent who actually knows and cares about you. If you're sick of being treated like just another number and calling an 800 # when you need something, it's time to call WHINS. You can trust us to do the job for you!

Personal and Commercial Lines insurance experts

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request a umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Request a hotel insurance quote

Why choose WHINS Insurance Agency LLC

States we serve

  • Arizona
  • California
  • Connecticut
  • Florida
  • Hawaii
  • Iowa
  • Nevada
  • Oregon
  • Tennessee
  • Texas
  • Utah
  • Washington

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Landlord
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, Admiral Insurance, AmTrust Financial, CNA, CSE Insurance Group, Carolina Casualty, Chartis Property Casualty Company, Chubb, Firemans Fund Ins, Infinity Insurance Company, Intact Insurance, Maryland Automobile Insurance Fund, Mercury Insurance Group, MetLife Auto & Home, National General Insurance (GMAC), Oxford Life Insurance Company, Philadelphia Insurance Companies, QBE Insurance Corporation, Republic F&C Insurance Company, Scottsdale Insurance Company, Southern Mutual Insurance Company, Star Casualty Insurance Company, The Hartford, Transamerica, United States Liab, Vindati, W. R. Berkley Insurance Group, Wright Flood, Zenith Insurance Company, Zurich North America

WHINS Insurance Agency LLC Team

Karen Fatta
Karen Fatta

WHINS Insurance Agency LLC Reviews

Average based on 16 reviews Leave a review

Customer Reviews

May 11, 2021

Darren and his team have put order and reason into the insurance jumble involved in running a small business ( liability, accident, disability, workmen's comp, building, contents, etc. - who can keep track? - WHINS Insurance can! ) and on top of that, they have saved me some money! Keep up the good work!

May 11, 2021

My company recently needed a very specific insurance policy in order for us to remain in good standing with our valued client base. We were lucky enough to put in our first call of many to WHINS. Again we were lucky enough to talk to and get personally helped by Joel Wagner. What a guy and what a company. He very quickly and in the most professional manner possible assisted me and my company in what we needed and just as importantly when we needed it....All at a great price. I would strongly recommend WHINS Insurance agency and Joel Wagner to anyone looking for great service and a great price in a timely and professional manner...They really take very good care of their customers ....

May 11, 2021

As good as it gets! Don't look twice, they have 5 stars for a reason. OMG did we get lucky. Called Joel to file an insurance claim and he took matters in his hands. Here is to my experience: 1.Promised to call me a specific time---checked! 2. Said "we will figure it out"---checked! 3.Courteous and respectful-checked! 4. Consultant(Paul) called reasonable time he email, called, left a voicemail and text!!! Can't miss this important call right?----CHECKED!!!! 5. The whole team is on the same page...i mean i called and they knew me by name which means that the entire TEAM is all working together and communication is a A+++++ Seriously, i will refer my family and friends and all the yelpers who are looking for a place that will treat them with loyalty and respect and not only that get the job DONE quickly and stress free! You guys are Amazing!

May 11, 2021

WHINS helped make the stressful transition away from our old business liability insurance broker less painful. I really felt like I was the most important client in their portfolio.

May 11, 2021

Yep, I definitely shop around like crazy to get the best rate and this was by far the best rate and company that I found. I even tried shopping again after three years with them because because a ticket dropped off of my record but it was STILL the best company. Morad, my agent, has amazing communication (answers emails and returns calls immediately) and told me it was the best rate, he was right, they are experts and have a lot of companies that they search. If you are getting astronomical rates for full coverage with other agents, go here, they will help you save for certain.

December 22, 2020

Worked with Joel on a business insurance quote. Joel was responsive, highly professional, and generally a pleasure to work with. Highly recommend.

December 21, 2020

Last month, my property insurance carrier informed me that they will no longer cover earthquakes. They did offer California Earthquake Authority, but the limits were insufficient! I searched and called various insurance agents to find earthquake coverage. Many agents just went through the motions with no real solutions. Morris was different! He was detailed, thorough and responsive to my particular requirements. He did what he was supposed to do which is satisfy the client. That is the main reason, I went with him.

December 19, 2020

Steve is really amazing! He prepared all the documents needed on a Sunday because I needed them urgently. He's someone I would definitely use for all my insurance needs moving forward.

December 18, 2020

We have nothing but great things to say about Steven, who helped us with great speed, confidence and knowledge, to find a replacement home insurance policy. Steven addressed all our concerns and questions and had a new policy in place for us to sign within the day. Not only that, but the rate was more competitive than our original and the coverage more comprehensive! Will certainly be recommending Steve to our friends and family.

December 17, 2020

I had been seeking insurance for a while and couldn't believe how uninterested the brokers I contacted were in helping me. Joel Wagner was so on top of it - immediately coming back with options that were so much better than all the quotes I was (barely) getting from other brokers. The best!!

RECOMMENDED INSURANCE COMPANY PARTNERS

WHINS Insurance Agency LLC

'Cause everyone wins at WHINS!

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