Unico Insurance Agency, Inc. (UNICO)

At the beginning of her insurance career, Lin Lan founded Unico Insurance Agency, Inc. in 1980. Her aspiration was to assist Chinese immigrant business owners like herself with vital insurance coverage. Of course, she succeeded and today Unico is one of the largest Chinese independent insurance agencies in California, employing numerous Chinese speaking insurance professionals who continue to provide complete commercial insurance services to this ever-expanding community.

Pacific Excess Insurance Marketing, Inc. (PEIM) Specialty Division

In January 2009, UCA spun-off its Specialty Division. Pacific Excess Insurance Marketing is a Wholesaler/General Agent with its primary focus on Standard, Excess & Surplus Lines and Workers' Compensation business. As the former Specialty Business Unit of UCA, the staff of Pacific Excess has over 25 years’ experience working with UCA brokers, now broadening the broker base to include many start-up operations and one person agencies. Pacific Excess will continue with the same commitment to excellence and service as its sister company UCA.

Pacific Excess has many standard and non-standard, admitted & non-admitted contracts with various companies. Brokers can rest assured knowing Pacific Excess will work diligently to find a market for any risk application submitted. Visit our website: http://www.PacificExcess.com

UCA General Insurance Services, Inc. (UCA) Program Division

UCA General Insurance Services was formed in 1984 to assist Ms. Lan’s fellow Chinese American independent agents integrate into what was at that time a difficult commercial insurance market. Ms. Lan saw a need within these small agencies, and she had the connections and wherewithal to develop a new platform. Today, UCA General is a regional GA and provides Property and Casualty insurance on over 30 Programs. The most well-known are the Hotel/Motel and Restaurant Programs.

With Lin Lan’s experience as an independent insurance broker/agent, she has assured that UCA is sensitive to the needs of independent brokers. UCA’s timely responses to brokers’ requests and questions, its exceptional quality of service and accessibility to UCA’s management, are strong reasons brokers’ return time and again to work with UCA.

UCA reinforces that confidence by consistently outperforming the competition with our services and facilities. For over 35 years, UCA's programs have consistently been the most stable in the market. We have weathered the storms of several soft and hard insurance cycles, the aftermath of the 1992 Los Angeles riots, as well as the aftermath of 9/11, the great recession of 2008-2009, and the emerging threat of increased wildfire risk in California. UCA has stood tall and strong and will continue this proud spirit into the future.

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, complete 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.

UCA also developed its own applications in order to avoid lengthy and often irrelevant Acord forms, as well as being able to collect the underwriting information as concisely as possible. Program Underwriters in each office come from and understand the local communities they work with. This allows our quality of service to be second to none. UCA's strategy is to produce a standard-to-preferred portfolio of commercial business, and not to produce what’s commonly qualified as “gray area” surplus lines business.

UCA writes commercial package business throughout the Western states: California, Arizona, Idaho, Nevada, Oregon, Utah, and Washington. Business is produced through approximately 300+ appointed brokers, of which approximately 65% on average are 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.

Precision Risk Management, Inc. (PRM) Claims Department

A Third-Party Claims Administrator and Commercial Property and Liability claims adjustor on policies written through UCA for Century-National Insurance Company. PRM was formed in 1985 to extend efficient services to the policyholders of UCA business by providing claims handling, and inspections. PRM has an excellent reputation among insurers and reinsurers alike.

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 conducts periodic refresher-training seminars throughout each year to ensure the continued quality and knowledge of the Inspectors.

Pacific Legal Center (PLC) Legal services division of PRM

Pacific Legal Center 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.

Pacific Pioneer Insurance Group (PPIG)

PPIG is the parent company which encompasses all the individual companies, (Unico, UCA, PEIM, and PRM).







For questions regarding coverage specific to your policy please contact your insurance broker. For assistance completing the claims forms, please contact Precision Risk Management to speak with a representative.