Specialty

A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.

The endorsement extends coverage to legal actions involving consumer protection statutes, even when claims are not tied to other perils—a risk often excluded by traditional media liability policies.

A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?

“The core value of lending a helping hand and never being too busy to help a producer … is everything I want in a mentor, especially as a guy that didn’t go to school for insurance,” says young agent Jackson Doyle.

David Garcia, president of Rancho Mesa Insurance Services Inc. in San Diego, California, transitioned from a career in professional baseball to becoming the founder of a Best Practices agency with a unique approach to specialization.