Pacific Pioneer Insurance Group ("PPIG") was founded by Lin Lan in 1980 as a retail
insurance agency: Unico Insurance Agency ("Unico"), to provide insurance coverage
for the increasing population of the Chinese immigrant communities in
the States. Today, Unico is one of the largest Chinese independent insurance agencies, employing
numerous Chinese speaking insurance professionals who continue to provide complete insurance
services to Chinese communities.
Lin Lan then formed UCA General Insurance Services ("UCA") in 1984 to assist Asian
independent insurance agents in placing their business in what was at that time
a difficult insurance market. Over time, UCA developed into a program writer well
known for its products and services. Lin has established UCA offices in Cypress CA,
Central California (Gilroy) and Washington and is still able to
maintain reliable discipline in underwriting and services - including, but not limited
to, quoting, policy issuance, etc.
As part of Ms. Lan's strategy to provide a consistent, stable market to her brokers and customers
she purchased Pacific Pioneer Insurance Company (PPIC) in 1990. With PPIC she has been able to take
a significant share of risk alongside her partners. PPIC's sharing of risk with our carriers and reinsurance
partners ensures that all parties' interests are considered and focused on the generation of profitable underwriting results.
Shortly thereafter Ms. Lan formed Pacific Pioneer Insurance Group (PPIG). PPIG is the parent which encompasses all of the individual companies, (Unico, UCA, PPIC, PEIM, and PRM).
In 1990 Lin Lan purchased United Assurance Company in Oklahoma and changed its name
to Pacific Pioneer Insurance Company of Oklahoma. Later, the domiciled State was
changed to California and the name to Pacific Pioneer Insurance Company (PPIC).
PPIC is licensed in 12 states: California, Colorado, Idaho, Kansas, Louisiana, Nevada,
New Jersey, Oklahoma, Oregon, Texas, Utah and Washington. PPIC is rated B+ by AM
Best & Co.
PPIC quota shares the business produced by UCA General Insurance Services
UCA General is an MGA and provides Property and Casualty insurance on 33 Programs of which,
the most well known are hotel/motel and restaurant. The vast majority of
policies are issued on CPP policy forms, with a few accounts being written on BOP
policy forms. Each program is filed with its respective Department of Insurance,
completed with separate guidelines, rates and forms. ISO forms are used in combination
with manuscript forms and endorsements/exclusions, which were developed by UCA through
the years based on experiences and society trends. Many of our Programs have property
enhancement endorsements available.
The property enhancement endorsements come in three different coverage levels, each
with their own respective minor additional premium. Program Underwriters are located
directly in each of our office locations, which allows our quality of service to
be second to none. UCA's strategy is to produce a standard-to-preferred portfolio
of commercial business, not to produce commonly qualified as “gray area” surplus
lines business. This disciplined objective yielded positive results on a relative
basis in the aftermath of the 1992 Los Angeles riots, in the aftermath of 9/11,
and through several soft and hard markets.
UCA writes commercial package business throughout the Western states: California,
Arizona, Idaho, Nevada, Oregon, Utah, and Washington. In 2011, UCA began
a nationwide expansion, starting with the state of Illinois. UCA currently
writes all programs in that state. Brokers will begin to see the availability of UCA's programs for the surrounding
Midwest states in the near future.
Business is produced through approximately 300 appointed brokers, approximately 65% of which are comprised
of varying ethnicities. Most of these brokerage firms are small- to medium-sized
operations that command close, and quite often long-standing, relationships with
their Insured client base.
In January 2009, UCA spun-off its Specialty Division.
Our newly-formed company, Pacific Excess Insurance Marketing, is a Wholesaler/General
Agent with its primary focus on Standard, Excess and Surplus Lines and Workers'
Compensation business. As the Specialty business unit of UCA, the staff of Pacific
Excess has over 25 years of history working with UCA brokers, now broadening the broker's
customer basis to include many start-up operations and one person agencies. Pacific
Excess will continue with the same commitment to excellence and service.
Pacific Excess has many standard and non-standard, admitted & non-admitted contracts
with various companies. Brokers may rest assured Pacific Excess will work diligently
to find a market for any risk application you submit.
Visit our website: http://www.PacificExcess.com
Precision Risk Management (PRM) Claims Department:
A Third Party Claims Administrator and Commercial Property and Liability
claims adjustor on policies written through UCA for XL Specialty Insurance Company, XL Insurance
Company, Delos Insurance Company (formerly known as Sirius America Insurance Company),
and some "long tail" claims for Houston General Insurance Company and Clarendon
National Insurance Company. Some Non-Standard Auto claims written through Pacific
Pioneer Insurance Company (whose program is in the process of being phased out)
are also still being adjusted by PRM.
PRM was formed in 1985 to extend efficient services to the policyholders of UCA
business by providing claims handling, inspection and premium installments, and has an excellent reputation among insurers and reinsurers for its claims handling.
Precision Risk Management (PRM) Loss Control Division:
It is UCA's practice to inspect all risks insured under its programs -- those new
to the program as well as those renewing. The Loss Control Manager of PRM is responsible
for overseeing more than 15 Field Inspectors at any given time, some of whom have
been chosen specifically for their special ethnic language abilities. The Loss Control
Manager performs initial training of each Inspector and also conducts periodic refresher-training
seminars throughout each year to ensure the continued quality and knowledge
of the Inspectors.
Pacific Legal Center, a division of PRM:
Pacific Legal Center (PLC) was formed as an in-house legal counsel to handle the
defense of Insureds located in the Greater Southern California area relating to
claims filed against them concerning Liability losses on which lawsuits have been
brought. PLC fights aggressively and professionally on behalf of Insureds
to provide the best defense possible and reach the most desired result for our clients.