Violet T. – President/ CEO PHB

If you have a malpractice carrier that is rated highly and your agent is rated poorly, are you really getting a deal? NO! I now insist that my agents be just as good, if not better than the malpractice carrier I choose. Joe Santiago has proven himself to be just such an agent. He knows his product, supports his product and is ever amiable and helpful. We all get in a rush, it is easy in this high stress, high time demanding medical world to forget what day it is, never mind that you forgot to send out the payment. It is wonderful to have an agent who will send you a quick, gentle reminder. If the ghastly happens and one does get sued, your agent is your first resource and he better be a great one. I believe I have found such a gentleman in Joe Santiago! Go ahead, treat yourself to greatness!