Business Details
Your Trusted Insurance Partner in Washington State
Fortiphi Insurance is a locally owned full-service independent brokerage with offices in Whatcom and Skagit County. As one of the largest agencies in the Pacific Northwest, we represent hundreds of companies on your behalf. Our non-commissioned insurance professionals shop to provide the best value now and ensure clients remain in the most optimum situation. We deliver personalized and proactive advice, creative approaches, and peace of mind so clients can focus on their priorities. Our culture reflects our values, which guide our growth, partnerships, hiring, and investment decisions. With decades of combined experience, our team specializes in medical, personal, Medicare, and adult family home insurance solutions. We serve clients in Northwest Washington, across the U.S., and internationally, offering global possibilities with local representation.Our service-first approach combines hometown expertise with access to global savings through offices in Mount Vernon and Blaine. We advocate for clients to maximize protection while saving money on personal and business insurance in Washington State. Our clients consistently praise our professionalism, concise quotes, and exceptional customer service.
Services
Medical Insurance
Personal Insurance
Medicare Solutions
Assisted Living Insurance
Business Insurance
Highlights and features
- We offer locally rooted insurance solutions with access to global resources.
- Our non-commissioned professionals prioritize your best interests in every recommendation.
- Decades of combined experience in medical, personal, and commercial insurance sectors.
- We provide tailored coverage packages for adult family homes and assisted living facilities.
- Clients consistently praise our transparent quotes and exceptional customer service.
What people say
Thoroughness, honesty
Affordable insurance coverage
Professional, concise quotes
Exceptional customer service
Tailored healthcare plans
Services
Medical Insurance
Our dedicated team helps individuals and businesses choose medical insurance solutions that provide quality coverage at competitive prices. We offer expert guidance through Affordable Care Act options, employer-sponsored plans, and specialized health insurance products. With access to multiple carriers, we ensure clients receive tailored solutions that meet their specific healthcare needs and budget requirements.
Assisted Living Insurance
We provide specialized insurance for adult family homes, assisted living facilities, and behavioral health facilities. Our coverage includes property protection, professional liability, commercial auto, and workers' compensation insurance. These policies address unique risks associated with caregiving operations while ensuring compliance with regulatory requirements and protecting both business owners and residents.
Medicare Solutions
Our Medicare experts guide clients through enrollment processes and plan selection for Part A, B, C, and D coverage. We offer independent brokerage services for Medicare Advantage, Supplemental Insurance, and Prescription Drug Plans. Our team helps clients understand eligibility requirements and select optimal coverage options that align with their healthcare needs and financial situation.
Personal Insurance
We offer customized personal insurance packages including auto, home, flood, and umbrella policies. Our independent agent model provides access to multiple carriers for competitive pricing and comprehensive protection. Services include risk assessment, policy design, and claims advisory support tailored to individual exposures and budgetary considerations.
Business Insurance
We deliver tailored insurance solutions for businesses of all sizes, including payroll services and employee benefits administration. Our offerings cover property protection, liability insurance, and specialized commercial policies. We help businesses manage risks through customized coverage packages that address industry-specific challenges while ensuring cost-effectiveness and regulatory compliance.
People
Michael Ebert
Managing Partner
Michael Ebert leads Fortiphi Insurance with strategic vision, overseeing operations and ensuring alignment with company values. His leadership focuses on delivering exceptional client service while maintaining our community-centered approach to insurance solutions.
Chris White
P & C Department Leader
Chris White manages property and casualty insurance operations, bringing extensive expertise in risk management solutions. He ensures our commercial clients receive comprehensive coverage options tailored to their specific business needs and industry requirements.
Justin Kulhanek
Medical Department Leader
Justin Kulhanek leads our medical insurance division, specializing in healthcare coverage solutions. With deep knowledge of ACA regulations and employer-sponsored plans, he helps clients navigate complex insurance markets to find optimal coverage options.
Ayrin Harris
Medicare Agent
Ayrin Harris provides expert Medicare guidance, helping clients understand their coverage options. She continues Ed Shinner's legacy of exceptional service while offering personalized support for Medicare enrollment and plan selection in Eastern Washington and Oregon.
Ken Martin
Insurance Professional
Ken Martin brings decades of experience in insurance brokerage, specializing in commercial risk management. His expertise ensures clients receive comprehensive protection strategies that address both immediate needs and long-term business sustainability.
Questions
What types of insurance does Fortiphi Insurance offer?
We provide medical, personal, Medicare, assisted living, and business insurance solutions tailored to individual and commercial needs in Washington State and beyond.
Do you serve businesses of all sizes?
Yes, we offer customized insurance solutions for small, mid-size, and large regional businesses across various industries in the Pacific Northwest.
How do you help with Medicare enrollment?
Our Medicare specialists guide clients through enrollment processes, explain coverage options, and help select optimal plans based on individual healthcare needs and eligibility.
What areas do you serve?
We primarily serve Whatcom, Skagit, and Snohomish counties, with insurance solutions available across Washington State and nationally.
How do you tailor insurance packages?
Our team conducts detailed risk assessments to create customized protection plans that address specific exposures while maintaining cost-effectiveness for both personal and business clients.
