Founded in 1993 in Hillcrest as an independent property and casualty agency with a niche book in apartment building owners and licensed childcare facilities, JPL Insurance Services writes through Travelers, Nationwide, United Fire, Berkshire Hathaway GUARD, Chubb, Mercury, The Hartford, and Philadelphia Insurance across nineteen states from California to New York. Apartment-owner placements include DP-3 dwelling fire, ordinance-and-law endorsements for pre-1978 Hillcrest stock subject to lead and asbestos remediation costs, and habitational liability programs that account for the slip-and-fall and dog-bite exposures unique to multifamily housing—coverage commonly placed alongside acquisition financing brokered through Carter + Co | San Diego Commercial Real Estate. Childcare-facility files run abuse-and-molestation coverage, sexual misconduct sublimits, professional liability for corporal correction allegations, and student accident medical—coverages that admitted carriers exclude from standard BOPs and that drive most childcare clients to surplus-lines markets. Workers compensation and commercial umbrella towers up to $10M sit on top of the GL base, and annual audits and 1099 reconciliations on the apartment management side often run through the CPA shop at West Rhode & Roberts. The most complex engagements are full habitational portfolio builds for owners holding 50–200 units across multiple LLCs, where master policies with shared limits replace the inefficient stack of standalone DP-3 contracts.