About David Chen & Associates

David Chen & Associates (DCA) was founded in 1991 as an independent employee benefits and life insurance agency.  We have since expanded to an all lines insurance agency, including workers compensation, business insurance, personal lines, personal insurance, and group critical illness for unions.

Exceptional customer service is our standard and our philosophy. We believe that “good risk management anticipates the unexpected” for our clients. Complete live customer care during the life of the policy, means that employers and their employees count on DCA to handle everything concerning their insurance plan.  From pricing to billing and enrollment, from claims management to help with finding a doctor or specialist. 

Utilizing our team of diversified professionals with over 75 years of insurance industry experience, we provide the most appropriate coverage from the most reliable carriers for businesses.  Our objective is to establish a partnership between our Clients, a high quality insurance company and our staff to provide invaluable service to California businesses. 

We work FOR our Clients, not for the insurance carrier. ANYTHING to do with insurance is OUR business so you can be free to concentrate on YOUR business.

Strength, Response, Accuracy, Trust... that is David Chen & Associates

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. David Chen & Associates 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?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.

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 your home, your car or your business, 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.

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.

• Aetna
  
• Aflac
  
• AIG
  
• AIG Private Client Group
  
• Anthem Blue Cross
  
• Blue Shield of California
  
• California Choice
  
• California HSA
  
• Care America Life Insurance Company
  
• Chubb
  
• CSE
  
• Delta Dental
  
• Fireman’s Fund
  
• Golden West Dental & Vision
  
• Guardian Life Insurance Co.
  
• HealthNet
  
• Kaiser Permanente Insurance Co.
  
• Metropolitan Life Insurance Co.
  
• National Union Fire Insurance Co
  
• Safeco Insurance Journal Online
  
• State Fund
  
• The Hartford
  
• Transamerica Occidental Life
  
• United Health Care
  
• Vision Service Plan
  
• Western Health Advantage

Professional Associations

• Professional Insurance Agents (PIA)
• State of California PUC Certified Minority Business Enterprise

Community Associations

• Certified California Minority Business Enterprise