Pearl Holding Group (PHG) is a Florida-based Managing General Agent serving the personal auto insurance market since 1991. We proudly represent Ocean Harbor Casualty Insurance Company and Equity Insurance Company, offering affordable auto coverage through a statewide network of independent agents.

We specialize in non-standard personal auto insurance, delivering value-focused solutions for drivers who need flexible options and dependable service. Our underwriting and claims teams are known across the industry for their responsiveness, efficiency, and customer-first approach.

At PHG, our mission is simple:
Provide competitive pricing, reliable protection, and outstanding service — for every policyholder and every agent partner.

Pearl Holding Group

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