Pacific Gateway Insurance Agency

What Pacific Gateway Insurance Agency does

Pacific Gateway Insurance Agency (PGIA) is a wholesale Managing General Agent (MGA) founded in 1995 in Los Angeles and now headquartered in Valencia, California. It is an indirect wholly-owned subsidiary of Berkshire Hathaway Inc. and operates alongside affiliated wholesale agencies Ringwalt & Liesche (R&L) and Northern States Agency (NSA) to provide placement services from the Mississippi River to the Pacific Ocean; PGIA itself underwrites in seven core Western states (Arizona, California, Idaho, Nevada, Oregon, Utah, and Washington). The company specializes in commercial insurance for risks that standard-market carriers frequently decline, including public livery, commercial trucking, motor truck cargo, auto dealerships, and auto service and repair operations, and has expanded into general liability, commercial property and inland marine, professional liability, workers' compensation, and excess liability/umbrella coverage.

PGIA distributes exclusively through licensed retail agents and brokers who must execute a Producer Agreement and provide proof of Errors and Omissions coverage. Producers can submit business through a web-based online submission portal for accounts below specified unit thresholds, by email, or by phone, with same-day or next-day turnarounds and USLI indications available in ten minutes or less. Underlying policies are issued by carrier partners including National Indemnity Group companies, Berkshire Hathaway Homestate Companies, USLI, Western World Insurance Group, Nationwide E&S/Scottsdale, and Berkshire Hathaway Guard, spanning both admitted and non-admitted (E&S) markets.

PGIA's economics are commission-based: it earns underwriting and administrative commissions from carriers on policies placed, with Direct Bill and Agency Bill payment options available to retail producers and policyholders. Carrying capacity includes liability limits up to $5 million on commercial auto, property limits up to $50 million, workers' compensation minimum premiums from $1,000, and excess/umbrella minimums from $750. Differentiators cited by the firm include same-day service, tenured underwriters averaging decades of tenure, and the financial strength and stability of the Berkshire Hathaway parent.

Name

Pacific Gateway Insurance Agency

Legal name

Pacific Gateway Insurance Agency

Website

https://pgiainsurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Pacific Gateway Insurance Agency is a Berkshire Hathaway-owned wholesale Managing General Agent that places admitted and non-admitted commercial insurance through licensed retail agents and brokers in seven Western US states, specializing in transportation, garage, and other hard-to-place risks.

Ownership category

akta.pro rank

Product category

Commercial Insurance (Wholesale MGA)

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Fleet & Commercial Auto Liability (FSAJABAA), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Wholesale insurance brokerage
• Commercial auto insurance
• Managing general agent
• Commercial property insurance
• Workers compensation insurance

Headquarters

HQ city

Valencia

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wholesale/MGA Insurance Premiums: PGIA operates as a Managing General Agent within the Berkshire Hathaway group. The company earns commissions from insurance carriers (National Indemnity, USLI, Berkshire Hathaway Homestate Companies, Western World, Nationwide E&S, and others) by placing coverage for retail agents and brokers. They write both admitted and non-admitted policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Pacific Gateway Insurance Agency operates as a wholesale Managing General Agent (MGA) within the Berkshire Hathaway group, placing commercial insurance coverage on behalf of licensed retail agents and brokers. The company underwrites and places seven core commercial lines — Commercial Auto, Garage Liability, General Liability, Commercial Property and Inland Marine, Professional Liability, Workers' Compensation, and Excess Liability/Umbrella — with a focus on transportation and non-standard or hard-to-place commercial risks across seven Western US states.

Product overview

Pacific Gateway Insurance Agency (PGIA) is a wholesale insurance agency and wholly-owned subsidiary of Berkshire Hathaway Inc. founded in 1995. The company operates as a multi-product commercial insurance platform offering seven core product lines: Commercial Auto Insurance (encompassing Public Livery, Commercial Truck, Motor Truck Cargo, and Other Business Auto sub-products), Garage Liability Insurance (covering Auto Dealers and Auto Service/Repair sub-products), General Liability Insurance, Commercial Property and Inland Marine Insurance, Professional Liability Insurance, Workers' Compensation Insurance, and Excess Liability/Umbrella Insurance. PGIA primarily serves retail agents and brokers in seven Western United States states (Arizona, California, Idaho, Nevada, Oregon, Utah, and Washington) and works with affiliated wholesale agencies Ringwalt & Liesche (R&L) and Northern States Agency (NSA) to provide coverage from the Mississippi River to the Pacific Ocean.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Auto Insurance Commercial auto coverage for transportation risks including liability, physical damage, uninsured motorist, trailer interchange, and truckers general liability. Covers public livery, commercial trucks, motor truck cargo, and other specialized business auto needs for retail agents and brokers placing business on behalf of operators.
• Garage Liability Insurance Insurance coverage for auto service, repair, and dealership businesses including garage liability, garagekeepers, in-tow, and in-tow storage coverages. Provides liability and physical damage protection for auto dealers, service shops, body shops, detailing, car washes, and mobile repair operations.
• General Liability Insurance General liability coverage for various businesses including habitational, contractors, transportation, special events, and hospitality risks. Protects against third-party bodily injury and property damage claims arising from commercial operations.
• Commercial Property and Inland Marine Insurance Coverage for commercial property including buildings, business personal property, business income, and inland marine risks such as contractor's equipment, cargo, and farm equipment. Provides limits up to $50 million on Commercial Property.
• Professional Liability Insurance Professional liability coverage including directors and officers, errors and omissions, employment practices liability, and package options for various professional classes. Protects professionals and businesses from claims of negligence, errors, or omissions in services rendered.
• Workers' Compensation Insurance Workers' compensation coverage for employer's liability and excess liability, with focus on artisan contractors, repair operations, bus/limo operations, and multistate accounts. Minimum premiums as low as $1,000.
• Excess Liability and Umbrella Insurance Additional layer of coverage providing excess liability and umbrella protection over auto liability, employer's liability, general liability, liquor liability, professional liability, and cyber coverage. Minimum premiums starting at $750.
• Public Livery Insurance Coverage for public commercial auto and livery businesses including charter buses, limousines, taxis, medical transportation, school buses, and other passenger transport services.
• Commercial Truck Insurance Truck and trucker type business coverage including cargo, in-tow, uninsured/underinsured motorists, pollution, and general liability for truckers, contractor trucks, tankers, and log trucks.
• Motor Truck Cargo Insurance Cargo coverage for trucking operations including broad form or named perils, refrigeration breakdown, loading/unloading, debris removal, and high limits for various commodities.
• Other Business Auto Insurance Specialized business auto coverage for children's transportation, delivery vehicles, funeral homes, religious organizations, rental vehicles, and other unique auto risks.
• Auto Dealership Insurance Dealership coverage including liability, dealers open lot, and excess coverage for non-franchised auto, truck, ATV, RV, motorcycle, and trailer dealers.
• Auto Service and Repair Insurance Coverage for auto repair shops including garage liability, garagekeepers, in-tow, and in-tow storage for detailing, body shops, car washes, mobile repair, and other service operations.

Quantifiable outcome

• Same-day or next-day turnaround time for quote responses
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Ringwalt & Liesche (R&L)coreChannel Partner/ Reseller/ DistributorAffiliated wholesale agency serving the Midwest region including Arkansas, Colorado, Idaho, Illinois, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, Utah, Wisconsin, and Wyoming. Part of the same Berkshire Hathaway-affiliated agency group.
• Northern States Agency (NSA)coreChannel Partner/ Reseller/ DistributorAffiliated wholesale agency serving the North region including North Dakota, South Dakota, Minnesota, Iowa, Wisconsin, and Michigan. Part of the same Berkshire Hathaway-affiliated agency group as PGIA and R&L.
• National Indemnity Group of Insurance CompaniescoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier group including National Indemnity Company, National Fire & Marine Insurance Company, National Indemnity Company of Mid-America, National Liability & Fire Insurance Company, National Indemnity Company of the South, and Columbia Insurance Company. Agents and policyholders can manage National Indemnity Group accounts online.
• United States Liability Insurance Group (USLI)minorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering phone-based quotations through (833) 554-3222 with 10-minute response times, plus online self-service quoting at pgiainsurance.usli.com.
• Berkshire Hathaway Homestate Companies (BHHC)minorChannel Partner/ Reseller/ DistributorInsurance carrier partner for Commercial Property, Package Policies, and Workers' Compensation coverage. Claims contact: (800) 356-5750 for commercial property, (800) 661-6029 for workers' comp.
• Western World Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for certain commercial coverages. Claims contact: (888) 847-6800.
• Nationwide E&S / Scottsdale Insurance CompanyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for excess and surplus lines coverage. Claims contact: (800) 423-7675.
• Berkshire Hathaway GuardminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for certain commercial coverages. Claims contact: (888) 639-2567.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Gateway Insurance Agency