Established in 1964 under California License #0F09609, Hayek Insurance in Carlsbad operates as a women-owned independent brokerage from Jefferson Street in the Carlsbad Village area, writing personal, commercial, and specialty lines through carriers including Travelers and Hagerty. The agency's auto insurance portfolio covers standard vehicles, classic cars, motorcycles, ATVs, and RVs, collision claims that frequently route to I-CAR-certified repair facilities such as Caliber Collision in Carlsbad. Commercial lines span business-owner policies, general liability, workers' compensation, surety bonds, and group employee benefits for Carlsbad's small-business and multifamily-property-owner market. Homeowners insurance and landlord coverage through the agency's carrier panel address earthquake, flood, and standard-peril exposure, structural claims that often involve roofing contractors such as Tidal Remodeling on the restoration side. Highest-complexity placements involve layered commercial property programs with per-occurrence limits exceeding $5 million, earthquake difference-in-conditions endorsements, and excess liability towers structured above primary general-liability and auto-liability layers.