Pilot agent for Farmers' Retail West Program in Point Loma, CA-licensed (#0I54497) Jay Adkins has run a 20-plus-person commercial and personal-lines agency from the Midway District San Diego office on Midway Drive since 2014. The agency writes the general-liability and workers'-compensation certificates that residential remodelers—including contractors at Kanna Construction & Remodeling—must carry before pulling city permits. Adkins previously built one of Farmers' top-producing commercial agencies in Oklahoma, ranking in the top half-percent of all Farmers agents nationally for eleven consecutive years. That commercial depth translates to San Diego with business-owner policies, commercial-auto fleets, and inland-marine coverage for tools and equipment. Homebuyers with mortgages through Merchants Home Lending can bind homeowner and earthquake coverage at this office to meet lender hazard-insurance deadlines. The most complex commercial files package GL, workers'-comp, commercial-auto, inland-marine, and excess-liability into a single-carrier program for multi-trade operations running crews across Southern California.