Founded in 2007, At The Point Insurance Services in Point Loma writes personal and commercial policies as an independent Travelers agent from 2924 Emerson Street across 10 states including California, Arizona, and Nevada. The multi-state licensing lets the agency bundle auto, home, and liability coverage for clients who hold investment properties in markets that Sand & Sea Investments also serves across San Diego. Health and life policies complement the property-casualty book, giving households a single agency for medical, homeowner's, and auto lines under one account in Point Loma San Diego. Business-owner policies combine general-liability, commercial-property, and business-interruption coverage — protections that dovetail with the entity-formation and operating-agreement work at firms like Semanchik Law Group on the peninsula. The agency's most layered engagements structure multi-location commercial packages with workers'-compensation, cyber-liability, and umbrella endorsements for businesses operating across the Western states.