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With Us, It's Personal

No one can tell what the future holds or the challenges that they may face. Insurance protects you from some of those disadvantages and you want someone who you trust to support you. Let us help eliminate those hardships. We treat our clients as we would want our families to be treated: with respect, consideration and compassion.

World-Class Service 

Going above and beyond to establish client satisfaction and reassurance is something that we pride ourselves in. Our clients know that we are always here with friendly and prompt customer service for their insurance questions and needs. Our dedicated service team will leave no stone unturned in the search for the best solution for you.

Affordable Plans 

Everyone likes to get the "biggest bang for their buck" and we are happy to assist in that process! There are so many affordable policies available that no one should have to sacrifice a ridiculously high percentage of their income to get the coverage they need and deserve.

Who Are We?

Located in Chico, California, we at Firm Foundations Insurance & Benefits Center build trust by listening to your needs and goals. We educate you on your options, we guide you on obtaining the best value for your situation with compliant plans and support you with superior service and current tools for success.


Dale Penne, President of Firm Foundations, was born and raised in Red Bluff, CA.. His diverse and varied background gives him the unique ability to view our clients' benefits, concerns, and management needs, from a 360-degree perspective while offering value and innovative solutions.

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