Ronald Ng

Ron is a founding partner of Palm Trinity Insurance Services and runs the firm's commercial real estate placements alongside founding partner Brian Kong. The firm's name reflects the three-partner structure (Palm + Trinity), with Ron managing the relationships and submission workflow on a substantial share of the apartment building and commercial-property accounts in the book.

Day to day, Ron works on the firm's commercial real estate placements across the six Southern California counties — apartment buildings, mixed-use, retail, light-industrial, and the broader habitational portfolio. The work spans admitted-carrier placements on clean accounts, E&S placements through licensed surplus-lines wholesalers on older buildings or prior-loss accounts, and the FAIR Plan + Difference in Conditions structure for properties in California's High and Very High Fire Hazard Severity Zones.

Ron has been writing California commercial insurance for 15 years, with a focused 15-year run on commercial real estate. The firm's depth in California habitational reflects the long carrier-relationship history he has built across admitted markets, surplus-lines wholesalers, and the FAIR Plan / DIC market. His knowledge of which markets are open, closed, or selective for any specific California ZIP and risk profile is one of the firm's core competitive advantages — particularly post-2025, when the LA wildfire complex reshaped admitted carrier appetite across material portions of LA County.

Ron's submission discipline is exacting. The firm's standard intake — current declarations page, three to five years of currently-valued loss runs, Statement of Values, and a brief operations narrative — exists because Ron and Brian have learned that incomplete submissions are the single largest cause of quote-cycle drag. Most accounts that go through complete-submission discipline turn around in 24-48 hours on admitted appetite; the slower path is almost always missing one document.

Commercial apartment building insurance, 5-100 unit buildings, across all six Southern California counties. Particular depth in the rent-stabilization-ordinance overlay across LA County (the LA City RSO, the LA County RSO for unincorporated areas, Santa Monica, West Hollywood, Beverly Hills, Inglewood, Culver City, and the various other municipal RSOs), and the loss-of-rents (business income) coverage calculation against the actual permitted-rent gross potential rent.

Commercial real estate generally — retail, light-industrial, mixed-use, and the broader commercial-property book. Property + general liability + umbrella structuring across multi-building portfolios.

FAIR Plan + Difference in Conditions placements for High and Very High FHSZ properties. The 2026 default structure for the foothill and canyon ZIPs across LA County, the East County backcountry in San Diego, the mountain communities in San Bernardino County, and the Cleveland National Forest perimeter in Riverside County.

Ron is reachable through the Palm Trinity main office at (213) 616-8500 or at ronald@palmtrinity.com. He prefers "Ron" in conversation and uses "Ronald Ng" in formal contracts and Cc lines. For new business submissions, the fastest path is the firm's general info@palmtrinity.com address with declarations page, three to five years of currently-valued loss runs, and a brief operations narrative attached.