Our trusted management team has over 30 years of professional experience in all Personal and Commercial lines of insurance. We are committed to providing complete and affordable insurance protection at competitive rates to the People of Guam. In today’s hectic world, the last thing you need to worry about is insurance. With Alpha Insurers, your insurance is WORRY FREE!
President: Joseph L.N. Hsiao
National Taiwan University, Taiwan – B.A. Degree
Catholic University, Louvain Belgium – M.A. Degree majored in Mass Communication and
T. V. Production
Loyola University, Los Angeles majored in T.V. Production
Certified in Underwriting Training Council & Construction Bonds Underwriting
Joseph Hsiao started and incorporated Alpha Insurers in 1978 with just 3 employees. With continuous perseverance and hard work, Mr. Hsiao has led the growth of Alpha Insurers to more than $10,000,000 in gross premium and currently two offices with a total of 40 employees. Mr. Hsiao continues to invest heavily every year back into the company to make Alpha Insurers one of the top insurance agencies on Guam by modernizing its computer systems and software, diversifying its marketing exposure, providing training for our underwriters and claims adjusters, and coming up with new benefits for our customers that no other insurance company provides. Giving back to the community is a top priority for Mr. Hsiao and Alpha Insurers remains a top contributor to various clubs and charities such as Lions Club, Rotary Club, United Chinese Association, Korean Association, Filipino Association, Salvation Army, Red Cross, Military Works and Recreation, and many more. Mr. Hsiao desire is to have Alpha Insurers not only be responsible for its customers trust, but also be socially responsible in donating to charities and clubs that keep our island of Guam safe, clean and healthy.
Executive Vice President: Victor De Roca
Far Eastern University, Philippines – B.S. Degree in Accounting
Licensed General Agent for Property and Casualty Lines Insurance
Licensed Claims Adjuster for Property and Casualty Lines Insurance
Victor (Vic) De Roca joined Alpha Insurers with Mr. Hsiao (President) in 1978 and has over 30 years experience in Property and Casualty Insurance Management. Mr. De Roca founded and formed the first in-house adjusting company (Beneficial Adjusters, Inc.) for Alpha Insurers’ insurance company, Chung Kuo Insurance in 1976. Under Mr. De Roca’s leadership, Alpha Insurers’ size and volume of production has grown tremendously and losses have decreased over the years. Beneficial Adjusting Claims department is now responsible for all claims losses under Alpha Insurers and Mr. De Roca continues to lead the claims department to settle losses quickly and fairly. Mr. De Roca understands the sensitive nature of people going through a claims loss and his goal is to ensure that our claims adjusters are not like robots and are personal with our claimants whether they are our insured or third party and show that we care about the claimants situation and will do our very best to settle claims fast. Mr. De Roca remains a strong factor in our most important company decisions and continues to be a strong mentor for our employees.
Personnel Manager: Kathleen Cheng-Chi Meng Hsiao
National Taiwan University, Taiwan – B.A.
University of Washington, Seattle, W.A – MLS
Completed two graduate courses from USC in decision-making analysis
Librarian for UOG for more than 8 years
Kathleen Hsiao joined Alpha Insurers in 1978 assisting Mr. Hsiao in most policy-making decisions and company organization and procedures of Alpha Insurers as the Personnel Manager. Mrs. Hsiao is active with Alpha Insurers daily operations becoming both a Board Member and the Personnel Manager at Alpha as well as serving as President for Cheers Travel and Grand Harvest Incorporated, a travel agency and real estate company respectively that she runs. Her public relations skills and personal touch continues to be a great asset and a main reason why Alpha Insurers is well known and respected among the Guam community. Mrs. Hsiao’s strong ties with the People of Guam have led her to be very active in helping with issues and problems in the Guam community and in the process joined as Board Members of Ladies Association of Guam, Chinese Ladies Association of Guam, and many others.
Marketing Manager: Jeffrey C. Hsiao
University of California Santa Barbara – B.S. Degree in Mechanical Engineering
Parsons School of Design, New York – A.A. Degree in Marketing and Advertising
Licensed General Agent for Property and Casualty Lines Insurance
Jeffrey Hsiao joined Alpha Insurers in 2002 as a Personal Lines Underwriter and now currently is the Marketing & Underwriting Manager. Jeffrey oversees all underwriting decisions and is responsible for Alpha Insurers marketing and advertising direction. Jeffrey’s job is analyzing the advertising effectiveness of Alpha Insurers and formulating a plan to execute the company’s marketing strategy. Under Jeffrey’s marketing direction, Alpha Insurers has increased from $7M in annual premiums to $10M in annual premiums currently and has led Alpha to remain one of the top insurance companies on Guam in written gross premiums for Auto and Home Insurance. Jeffrey continues to find new innovative ways to give our customers more benefits and convenience with new ideas such as being the first insurance company to open All Day Saturdays from 9a-5p, the first insurance company to partner with movie theatres to advertise on their big screen and hold movie premieres, the first company to offer incentives for paying Premiums in Full or using Credit Card to make payments, the first to offer rewards for Safe Driving, the first to offer rewards for insuring with Alpha for their Auto and Home for 3 years, and now the first insurance company to give away weekly and monthly prizes for a whole year!
Operations Manager: Lillian Hsiao
University of Hawaii – B.A. Degree in Marketing
Realtor – Licensed Real Estate Broker
Certified in Retail Management & Operations
Lillian Hsiao joined Alpha Insurers in 2005 as the Operations Manager. Lillian is responsible for applying strategies to enhance efficiency and quality to ensure continuous improvements to Alpha Insurers business operations. Lillian’s experience in retail management has translated to her ability to lead the accounting/operations department to record receivables and profits year after year in cutting costs and improving our operational efficiency. Under Lillian’s tenure, her endless work in partnership with Mrs. Hsiao (Personnel Manager) in improving and formulating new policies and procedures, in addition to, restructuring staff pay and bonus structure, paid off when Alpha Insurers was voted in 2012 by Guam Business Magazine as one of Guam Companies Top Places to Work For. Lillian is also a licensed real estate broker and runs both Grand Harvest Inc. and Reach Realty, both subsidiaries under Alpha Limited Company, parent company of Alpha Insurers.
Senior Claims Adjuster: Napoleon O. Carino
San Jose Elementary School – Quezon City, Philippines
E. Rodriguez Jr. High School – Quezon City, Philippines
University of the East – Manila, Philippines (2nd Year Undergraduate)
Napoleon O. Carino joined Alpha more than 20 years ago and currently is our senior claims adjuster and most reliable employees using his experience and knowledge to answer all our client’s questions and provide quick responses. Mr. Carino also oversees that all claims are processed in the most efficient manner. With his previous work experience as manager of an auto body shop, Mr. Carino has extensive knowledge with auto claims and uses this to settle our insured and third party claims quickly and fairly. Mr. Carino is also a key employee in building relationships with Guam’s top auto body shops in order to facilitate our claims customer repairs faster and with attention to detail and quality repair work. As one of our longest tenure staff with over 20 years of experience, Mr. Carino remains one of our most dedicated senior staff who Alpha Management can depend on when multiple claims arises.
Hagatna Branch Personal Lines Supervisor: Cora Marucut
Pacific Human Resources – Management Training Certificate
Guam Community College – Clerical Intern Certificate
John F. Kennedy High School – Diploma
Cora Marucut joined Alpha Insurers in 1997 as an Auto Personal Lines Underwriter and quickly became the top producer for Auto Insurance as well as the lead Auto Underwriter. In 2002, Cora was promoted as Hagatna Branch Auto Insurance Line Supervisor leading the Auto Insurance department to a year over year growth of 10% until today. Being the top auto insurance producer, effectively managing her department to double digit growth year after year and trained in homeowners insurance, Cora was again promoted as Hagatna Branch Personal Lines Supervisor, making her responsible for both Auto and Homeowners Personal Lines Insurance underwriting and production. Cora has delivered time and time again on exceeding the branch production goals and ensuring the underwriting guidelines of the insurance policies we issue are followed. Even with more responsibilities added and with more competition in Guam’s insurance industry, Cora has shown she is able to meet the challenges ahead. As one of our longest tenure underwriters with over 17 years of personal lines insurance and underwriting experience, Cora remains one of our most key, dedicated management staff who Alpha Management can depend on.
Dededo Branch Personal Lines Supervisor: Eisen Tolentino
Simon Sanchez High School – 1 Year Nursing Program
Guam Community College – 2 Year Marketing & Tourism Courses
University of Guam – 2nd Year Undergraduate
Eisen Tolentino joined Alpha Insurers in 2002 as an Auto Personal Lines Underwriter and learned quickly what it took to work as an underwriter in our busy traffic Dededo Office. Eisen’s customer service skills became apparent when many customers waited and asked for her only to help them on their insurance. With this customer service asset, Eisen was effectively marketing new accounts and soon became the top producer for Auto Insurance as well as the lead Auto Underwriter for our Dededo Office. In 2009, Eisen was promoted as Dededo Branch Auto Insurance Line Supervisor leading the Auto Insurance department to a year over year growth of 10% until today. After several years successfully managing her department to double digit growth year after year, being the top producer in Dededo branch and trained in homeowners insurance, Eisen was promoted again to Dededo Branch Personal Lines Supervisor, making her responsible for both Auto and Homeowners Personal Lines Insurance underwriting and production. Eisen has proven she can motivate staff to exceed the branch production goals and that she can efficiently bring in new customers with her strong customer service. With over 12 years of personal lines insurance and underwriting experience, Eisen remains one of our most vital management staff to grow Alpha’s new production in the years to come