Business Details
26 Years
experience
Trusted Risk Management Solutions in San Diego
Barnes & Co & Co was founded in 2000 as a boutique Risk Management Company dedicated to fostering relationships with business owners to procure comprehensive and cost-effective insurance policies. We combine business savvy, market knowledge, and client-focused service to deliver favorable outcomes through loss control and cost-containment measures. Our agency prioritizes financial security for businesses by offering competitive insurance products through top-rated carriers, from national brands to specialty providers. With over 25 years of experience in construction insurance and advanced risk management solutions, we address complex challenges across industries including senior living, energy, and commercial real estate. Our team remains at the forefront of innovation through state-of-the-art technology, specialized education, and participation in industry leadership roles.We serve clients with transparency, accessibility, and a commitment to adapting to evolving market needs. Our leadership includes a second-generation insurance professional with a Bachelor's degree in Insurance, CIC designation, and extensive legislative and risk management experience. We have supported high-profile projects such as $70 million construction developments and 24/7 renewable energy facilities. Our client testimonials highlight trust, prompt service, and personalized attention as key differentiators. We maintain affiliations with Panorama Insurance Associates, a top 100 private agency with access to 200+ insurance programs.
Services
Commercial Auto Insurance
Workers Compensation
Cyber Liability
Construction Insurance
Senior Living Risk Management
Energy Industry Insurance
Pollution Liability
Directors & Officers Insurance
Details
- Year established: 2000
Highlights and features
- We offer 25+ years of specialized construction insurance experience
- Our team includes a CIC-certified second-generation insurance professional
- We provide access to 200+ insurance programs through Panorama affiliation
- Our loss control measures reduce client risk exposure by 30-40%
- We maintain 98% client retention through personalized service
What people say
Most important qualities
Trust them completely
Remarkable attention to detail
Prompt follow-through
Feel like their top client
Services
Construction Insurance
Specialized insurance solutions for construction projects from planning to completion. Our 25+ years of expertise prevents on-site injuries, coordinates trades, and mitigates multi-million dollar lawsuits. We've secured coverage for $70 million developments and complex renovations like the Williamsburgh Savings Bank Tower conversion. Our risk management approach reduces long-term liabilities for general contractors and developers.
Senior Living Risk Management
Comprehensive protection for memory care and assisted living facilities. Our RiskRemedy program combines general liability, professional liability, and workers compensation coverage. We've insured facilities like Meridian at Lake San Marcos and Ocean Hills Senior Living with tailored solutions addressing unique patient care risks. Our approach reduces claims through proactive safety protocols and staff training programs.
Energy Industry Insurance
Custom insurance packages for renewable energy facilities including biomass plants and co-generation stations. We cover commercial auto, pollution liability, and kidnap/ransom insurance for projects like the 20MW Loyalton biomass plant. Our policies address unique risks in 24/7 operations and remote location challenges, ensuring uninterrupted power generation and regulatory compliance.
Cyber Liability Insurance
Modern insurance solutions for digital risks including data breaches and ransomware attacks. Our policies cover response costs, legal liabilities, and business interruption losses. We implement proactive risk assessments and security protocols to meet evolving cyber threats, particularly for businesses handling sensitive resident or client information in senior care and commercial sectors.
Commercial Umbrella Insurance
Supplemental coverage providing additional protection beyond primary insurance policies. We design umbrella policies to address catastrophic loss scenarios for businesses in high-risk industries. Our solutions coordinate with existing general liability, auto, and professional liability coverage, offering cost-effective risk transfer for incidents exceeding standard policy limits.
People
Teri Barnes
President & CEO
Second-generation insurance professional with Bachelor's degree in Insurance and CIC designation. Former AIG executive with offshore rig safety expertise. Founded Marrs Barnes & Co & Co & Maddocks and NetChoice. Lobbyist who passed critical insurance legislation. Active in Risk Management Committee of BIA and Green Energy Coalition. Trains next-generation industry leaders.
Questions
What industries do you specialize in?
We specialize in construction, energy, and senior living sectors with tailored insurance solutions for each industry's unique risks.
How do you handle complex insurance needs?
Our team combines 25+ years of experience with access to 200+ insurance programs through Panorama affiliation to create customized solutions.
What risk management services do you offer?
We provide loss control measures, safety protocols, staff training, and proactive risk assessments to minimize claims and liabilities.
Are you licensed in multiple states?
We serve clients in California, Colorado, New York, Florida, Washington, and other states through our national carrier partnerships.
How do you stay current with industry changes?
Our team attends Insurance Ruble Institutes, RIMS, and IRMI seminars while maintaining active roles in insurance policy development.
