Founded in 1999 as a wholesale surplus lines brokerage, Access E & S Insurance Services at 5575 Lake Park Way in La Mesa places hard-to-insure commercial risks through both admitted and non-admitted carriers rated A- or better by A.M. Best. The firm's west coast operations merged with Cochrane & Company in 2016, consolidating surplus lines underwriting capacity for contractor general liability accounts that cover firms like AB Construction & Engineering working across residential and commercial projects. Coverage lines span professional liability on a claims-made basis, directors-and-officers insurance, employment practices liability, fiduciary liability, environmental impairment, and excess umbrella layers above primary policies. Retail insurance agents submit ACORD applications and five-year loss runs through Access E & S, which returns quotes from multiple surplus lines carriers for side-by-side comparison. The brokerage also underwrites builder's risk for ground-up construction and inland marine transit coverage for projects engineered by firms such as Tanner Engineering. Highest-complexity placements involve layered excess towers combining multiple non-admitted carriers on single construction-defect or environmental-remediation programs with aggregate limits exceeding primary policy thresholds.