Carriers & Reinsurers

California’s preeminent Nonstandard Auto program administrator

Largest Distribution:  With over 2,100 insurance brokers, SCJ has one of the largest Nonstandard Auto distribution network in California. SCJ manages its distribution system by evaluating broker performance via our scorecarding system in order to assure that your program is represented by the broadest and most talented Nonstandard Auto distribution base in the state.


Largest Pure Play Nonstandard Auto Program Manager:  With over 1 million policy holders served, SCJ is the largest pure play PPNSA MGA in California.

Program Development:  Our Program Development team works with you to create  programs that are in line with your growth goals. From filing to actively managing performance; we’re here for you!

Analytical Capabilities:  Our team is second to none in analytical rigor. We can an eye on the horizon to keep your program ahead of the curve.

Proprietary Modeling:  Our Finance and Analytics teams are uniquely armed with proprietary modeling to forecast development and performance trends.  

Best-in-Class Management:  Our team’s backgrounds include Carrier, Private Equity, Banking, MGAs, Reinsurance, and Actuarial experience with more degrees than a university.


  Experience Matters

  • Over 1,000,000 policy holders served
  • Over 2,100 distribution partners
  • 42+ years credible data


  • Longest carrier relationship: 19 yrs.
  • Longest active carrier relationship: 13 yrs.

  Operations* (annual)

  • Documents processed: 13,936,080
  • Payments processed: 1,920,000
  • Amendments processed: 506,470
  • Calls answered: 182,722



                                                        *as of Feb 2015





Americas Insurance Company (AIC) was formed in 1973. Today, it is a property and casualty insurance company licensed to write insurance in 26 states and the District of Columbia. In 2008, AIC began writing homeowners insurance in response to a need in Louisiana after Hurricane Katrina. In 2011, AIC was acquired by Assure Holding Corporation, a privately held company, which specializes in personal lines insurance products. The new management team’s strategy is to expand AIC’s operations throughout AIC’s geographic footprint by partnering with seasoned managing general agents. As a fronting carrier, AIC will retain no more than 10 percent of the risk written in any one program, relying heavily on reinsurance relationships.


Established in 1962 and based in Seoul, Korea Dongbu Insurance is committed to delivering value to clients thanks to prudent underwriting and sound asset management. In addition to writing private passenger automobile insurance in California the company offers commercial package policies, BOP, homeowners and dwelling fire. Dongbu is a world-class insurance company with global competitiveness creating superior value and protection for their policyholders.

Ocean Harbor Casualty Insurance Company, based in Tallahassee, Florida, began writing nonstandard automobile policies in 1992. Their policyholder surplus as of June 2005 was $26 million. They write private passenger automobile minimum limits of liability, along with physical damage coverages in Florida and in California.

Response Indemnity Insurance Company of California (RICC) is a California-domiciled property and casualty insurance company and a member of the Fortegra Financial, Inc. family of companies. Fortegra is a New York Stock Exchange listed company based in Jacksonville, FL. The company’s product lines include private passenger automobile coverage, collateral protection, credit property primarily on consumer goods and other programs. These insurance products are primarily distributed through general agents.

SafeAuto is one of America’s largest privately owned property and casualty insurance carriers. During its 20-year history, the company has written more than 5.7 million policies with average revenue topping $300 million over the last 5 years. Headquartered in Columbus, Ohio, SafeAuto operates in 19 states and employs nearly 1,000 associates across the country.


AIC Paragon


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