Commercial Insurance · Southern California
Welcome to Palm Trinity
Save time with custom insurance solutions for businesses and property owners in Southern California.
What we cover
Commercial & Real Estate Insurance in Southern California
Apartment Building Insurance
Commercial habitational coverage for SoCal apartment owners with 5+ unit buildings — property, liability, loss of rents, and umbrella from carriers that write the risk.
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Restaurant Insurance
Property, general liability, workers' compensation, and liquor liability for California restaurants. Specialty programs for Japanese restaurants (sushi, hot pot, izakaya).
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Hotel & Motel Insurance
Property, general liability, innkeeper's liability, liquor liability, and workers' comp for boutique hotels, motels, and independent California hospitality operators.
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Earthquake / Flood / Fire
Specialty riders to protect your property and operations from California's signature catastrophic risks. Available as standalone or bundled with your commercial policy.
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Two verticals, done properly
What we insure
Apartment buildings — 5+ units
Palm Trinity places commercial habitational coverage for Southern California apartment buildings of five or more units — the threshold where a personal-lines landlord policy stops being eligible and a true commercial program takes over. Clean 5–10 unit buildings start around $3,500 per year on admitted carriers, and our 2025–26 book includes 189 admitted placements alongside the E&S, FAIR Plan, and FAIR-plus-DIC business other agents call “no markets.” Property at replacement cost, general liability, loss of rents, ordinance or law, and umbrella are quoted as one stack — and every renewal is re-shopped against the open market as California carrier appetites shift.
Apartment building insurance in California →Restaurants
For California restaurants we build the full stack — property, general liability, workers' compensation, liquor liability, equipment breakdown, and business income — with carriers that underwrite the operating model, not a generic small-business form. Workers' comp is usually the largest single line item, currently running roughly 4–8% of payroll per the WCIRB benchmark, and any operation with an ABC Type 41, 47, or 48 license needs standalone liquor liability because every standard GL policy excludes it. We also place a meaningful share of the book through Japanese-vertical specialty programs — sushi, izakaya, ramen, hot pot — where program pricing routinely beats what a generalist carrier quotes the same restaurant.
Restaurant insurance in California →Why work with an independent broker?
An independent broker is appointed with multiple insurance carriers, so your account is shopped across the admitted market and the E&S wholesale market instead of being limited to one company's appetite. Palm Trinity re-shops every renewal, presents the trade-offs in writing, and is not paid more by any carrier to steer your placement.
Southern California
Areas we serve
From our Chino office we write commercial accounts across all five Southern California counties — 97% of our 4,900+ customer book is California-domiciled.
- Orange County commercial insurance→Apartments, restaurants, and hotels from Anaheim to Irvine — the most admitted-friendly market in SoCal.
- Los Angeles County commercial insurance→The state's largest habitational market, including the LA rent-control overlay.
- San Diego County commercial insurance→Coastal-core admitted placements plus the wildfire-priced eastern submarkets.
- Riverside County commercial insurance→Inland Empire apartments and restaurants, Temecula to the Coachella Valley.
- San Bernardino County commercial insurance→Our home county — Chino, Ontario, Rancho Cucamonga, and the foothill corridor.
- Orange County apartment building insurance (5+ units)→Submarket-by-submarket carrier appetite, Santa Ana to Anaheim Hills.
- Los Angeles County apartment building insurance→RSO buildings, soft-story stock, and the FAIR Plan + DIC corridor.
- Liquor liability insurance for California restaurants→The coverage every standard GL policy excludes — required for any ABC-licensed premises.
General inquiries
For any questions, concerns, or additional information about our insurance services, feel free to contact us. We're here to assist you with all your insurance needs.
About
About Palm Trinity
“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, Founder
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