About Palm Trinity
Commercial insurance, narrow focus, deep market.
Palm Trinity Insurance Services is a Chino, California commercial brokerage — 13 years in the market, more than 4,900 customers, two verticals we know cold: apartment buildings and restaurants.
Founders
“Hi! My name is Brian Kong. I bring 13 years of experience insuring businesses all over California. At Palm Trinity Insurance Services, we prioritize results, ease of use, competitive pricing, and excellent customer service. Our mission is to provide the best insurance products for all our valued clients.”
Brian Kong, Founding Partner
Palm Trinity was founded by Brian Kong and Ron Ng, both with deep roots in the California commercial insurance market. The firm operates as a stock corporation registered in California and writes commercial habitational and restaurant business across Southern California.
By the numbers
4,900+
Customers served
$5M+
Premium under management
13
Years operating
97%
California-based
Why we focus on two verticals
Most California brokerages try to be everything to everyone — personal auto, homeowners, life, commercial, all in one shop. There's a place for that. It isn't us. We chose to specialize in two commercial verticals where deep carrier relationships and underwriting fluency actually change the outcome: apartment buildings of 5 or more units and California restaurants.
Both verticals require carrier appetites a generalist broker simply cannot keep current on. Apartment habitational has gone through a hard cycle — State Farm exited 42,000 California multifamily policies in 2024, Hartford and Travelers have pulled back, and most placements now run through surplus lines or FAIR Plan with a DIC wrap. Restaurant underwriting demands knowledge of cook-line risk, NFPA 96 hood-suppression compliance, workers' comp class-code changes (the legacy 9079 split into six new codes in September 2024), and liquor liability rules that vary by ABC license type.
A specialist can shop the right markets faster, write tighter terms, and catch coverage gaps a generalist would miss. That's the trade we make: narrower scope, deeper market.
How we work
24-hour quote turnaround.Send us your loss runs, current declarations, and a few details about the property or restaurant. We come back within one business day with carrier options — admitted, E&S, and FAIR Plan plus DIC wrap where it's the right answer — with premium and coverage side by side.
We shop your renewal every year.Carriers move in and out of California habitational and restaurant programs constantly. What was admitted last year may be E&S this year, and vice versa. Loyalty to a single carrier costs you money. We re-shop at every renewal.
Independent brokerage, not a captive agency.We aren't tied to one carrier's product. We're tied to your outcome.
Office
Palm Trinity Insurance Services, Inc.
4091 Riverside Drive, Suite 218
Chino, CA 91710
(213) 616-8500 · info@palmtrinity.com