Business Details
33 Years
experience
Trusted Insurance Solutions in San Diego, CA
Founded in 1993, JPL Insurance is a family-owned and operated independent insurance agency dedicated to providing tailored protection solutions for individuals, families, and businesses across California and beyond. With over 30 years of experience, our mission is to deliver superior customer service, competitive rates, and a deep understanding of our clients' coverage needs. We specialize in simplifying the insurance process by offering personalized solutions through access to top-rated carriers, ensuring our clients receive value-driven policies that protect their assets. Our team of licensed professionals prioritizes transparency, ethical practices, and long-term relationships, empowering clients to make informed decisions while focusing on their future security. 
Services
Contractor Insurance
Landlord Insurance
Security Guard Insurance
Business Owners Insurance
Workers Compensation
Home Insurance
Auto Insurance
Individual Life Insurance
Motorcycle Insurance
Condo Insurance
Details
- Year established: 1993
Highlights and features
- We offer over 30 years of experience in personalized insurance solutions.
- Our team provides transparent, no-hidden-fees policy comparisons from top carriers.
- We specialize in tailored coverage for unique risks across industries.
- Our agents are licensed in 18+ states for nationwide service capabilities.
- We guarantee prompt, 24/5 claims support and policy management assistance.
What people say
Prompt service
Excellent rates
Very professional
Knowledgeable team
Personalized solutions
Services
Contractor Insurance
Contractor insurance protects construction professionals against industry-specific risks. This coverage includes liability protection for property damage or bodily injuries occurring on job sites, equipment protection for tools and machinery, and workers' compensation compliance. Ideal for general contractors, electricians, plumbers, and specialty trades, this policy safeguards businesses from financial losses due to lawsuits, accidents, or equipment theft.
Landlord Insurance
Landlord insurance provides comprehensive protection for property owners renting residential or commercial spaces. Coverage includes structural damage protection from fire or weather events, liability coverage for tenant-related incidents, and lost rental income compensation during property repairs. This policy addresses unique risks like eviction costs, vandalism, and ordinance upgrades, ensuring property owners maintain financial stability through unexpected events.
Business Owners Insurance
Business Owners Policies combine essential protections into one comprehensive package. This includes commercial property coverage for buildings and equipment, general liability for third-party claims, and business interruption insurance for income loss during covered disruptions. Designed for small to mid-sized businesses, BOP policies offer cost-effective protection against common operational risks while allowing customization for industry-specific needs.
Workers Compensation
Workers' compensation insurance covers job-related injuries and illnesses. This mandatory coverage provides medical expense reimbursement, wage replacement for lost work time, and legal defense against workplace injury claims. The policy helps businesses comply with state regulations while protecting employees through rehabilitation support and death benefits, reducing financial exposure from workplace accidents.
Security Guard Insurance
Security guard insurance addresses risks specific to private security operations. Coverage includes liability protection against false arrest claims, assault allegations, and negligence accusations. The policy also covers equipment damage, vehicle accidents for patrol services, and cyber liability for data breaches. Designed for armed/unarmed guards and security firms, this insurance safeguards against legal costs and reputational damage in high-risk protection scenarios.
People
JP Lawrence
Principal Agent
With over 30 years in the insurance industry, JP Lawrence leads JPL Insurance's strategic direction. He specializes in commercial risk management and has developed customized insurance programs for construction firms, property managers, and security companies across multiple states.
Diane Souza
Sr. Account Executive
Diane Souza brings 25+ years of experience in personal lines insurance, focusing on homeowners and auto policies. She has helped thousands of California residents secure cost-effective coverage while maintaining a 98% client retention rate through personalized service.
Amy Brinkley
Sr. Account Executive
Amy Brinkley specializes in commercial insurance solutions, particularly for childcare centers and small businesses. She holds multiple industry certifications and has implemented risk management programs that reduced claims by 40% for mid-sized clients.
Kristi Andreas-Redondo
Sr. Account Executive
Kristi Andreas-Redondo manages the agency's landlord insurance portfolio, working with property owners across 18 states. Her expertise in rental property risk assessment has helped clients save an average of 15% on annual premiums through optimized coverage structures.
Shawn Bonsack
Sr. Account Executive
Shawn Bonsack focuses on construction industry insurance, developing specialized contractor policies that address evolving safety regulations. He has brokered over $50M in coverage for general contractors and subcontractors throughout the Western United States.
Questions
What types of insurance does JPL Insurance offer?
We provide business insurance (contractor, landlord, security guard coverage), personal insurance (auto, home, life), and specialized commercial policies tailored to specific industry needs.
How quickly can I get an insurance quote?
Our online form provides instant estimates, with detailed personalized quotes available within one business day from our licensed agents.
Do you offer coverage outside California?
Yes, we serve clients in 18+ states including Arizona, Colorado, Florida, Texas, and Washington through our nationwide carrier partnerships.
How do I file a claim?
Report claims through our website portal or call our San Diego office directly at 619-220-8013 during business hours for immediate assistance.
Can I manage my policy online?
Yes, our Service Center allows policy reviews, payment processing, ID card requests, and coverage adjustments through our secure client portal.
