Get A Quote

About Insurance Solutions Pacific Coast, Inc

For well over 20 years, Jay has been a key leader within the Commercial Insurance and High Net Worth Client business and advisory services arena. For the last 15+ years he has been a key player and nationally recognized subject-matter expert in the sophisticated insurance and unique financial advisory planning and management needs of business owners and their families. As Director of Adkins & Associates, Jay was able to leverage both the depth and breadth of his insurance and financial experience, as well as his legal training, to help businesses and families mitigate the myriad of risks associated with their various professional and personal holdings. Jay’s network of fellow professionals in the accounting, tax, legal and asset management arenas enables him to call upon trusted experts and some of the sharpest minds throughout the country.

Jay’s most recent role here in San Diego, beginning in 2014, was for Farmers Insurance Group (FIG) as their pilot agent for a new program called the Retail West Program. Again, requiring him to build another scratch agency from the ground up. Jay's previous role for nearly 15 years with FIG was in Oklahoma City where he was one of their top agents nation wide. In his role as owner, Jay was responsible for all aspects of business development, management, and leadership of what grew into a 13-member organization. During his time with FIG, he consistently ranked within the top half of 1% of all agents, and was the largest new business producing Commercial Agent for Farmers in Oklahoma for 11 straight years and 4th in the Company in Assets Under Management/ Financial Services. Jay’s impact and presence was felt throughout FIG where he was awarded inclusion in the Presidents Counsel as well as actively mentoring countless corporate leaders and independent agents.

After the USAF, Jay began his career in the business advisory space with a PEO company, Employee Resources Group (ERG) as the VP of Marketing, where he doubled firm revenues in six months. His leadership was instrumental in positioning the firm for both dynamic growth and the eventual sale to a major national employee benefits provider.

Jay earned his Juris Doctorate from Oklahoma City University graduating with the prestigious Phi Delta Phi Award. He also graduated Summa Cum Laude from the University of Colorado/Leeds School of Business, earning his Business Administration undergraduate degree in Finance and Economics. While attending Law School, Jay was recognized with the Intramural Moot Court Competition Award as the school's best advocate in a courtroom setting, and while at CU, Jay was President and debate Champion of the nationally recognized Debate Team and was an active leader in various campus professional fraternity organizations.

Jay is a proud veteran of the United States Air Force

Email Jay




Craig is an experienced insurance professional. Insurance is in his blood. His father was a perennial top performer for Farmers Insurance with a forty-year agency in Torrance, CA. Upon completion of his studies at San Diego State University, he started his own scratch agency in Lomita, CA. He remained an agent, winning every honor Farmers could bestow, establishing himself as a rising star within the company. Within seven years he had attained the pinnacle of Farmers success by being invited to participate in President’s Council, an honor reserved for the upper 1% of agents and district managers.

Looking for greater challenges, Craig turned his agency back over to the company to try his hand at being a district manager. He moved to Colorado for a two-year tutelage. Then he accepted his own small district. He took the district from obscurity to notoriety by increasing both sales and morale. He rapidly established himself an insurance prodigy and a natural leader… a rare combination.

In 2002 Craig returned to California and took the reins of District 9951 in San Diego. The rest is history. Craig turned this small district into a powerhouse, netting him Southern California District Manager of the Year as well as all other awards offered by Farmers. Toppers Club is awarded to the top 15% and he won that twenty- five times. The Championship award goes to the top 5%. He won it eleven times. Lastly, the coveted President’s Council (top 1%) was awarded Craig Bass an amazing ten times.

Craig’s ideas on leadership are sought by high-level corporate managers throughout the industry. Craig is a student of his profession with an unquenchable thirst for knowledge. He attained the American College professional designation LUTC for his studies in Life Insurance sales and is pursuing the CIC title denoting an exceptional expertise in commercial insurance. Craig understands that sales is an art form, but leadership is a science. He is the rare combination of both. He is at ease managing and operating a one hundred-million-dollar enterprise. He maintains both state insurance and federal licenses. A Craig Bass-led enterprise means two things: high sales and high morale. The subordinates realize he is a mentoring partner as well as a boss. He is followed willingly. In August, 2018 Craig retired from Farmers and joined ISPC in 2019.

Craig resides in Point Loma, CA with his wife, Julie and daughter, Rachel. His four adult children, Joshua, Jonathan, Tristan and Alexia have all left the nest and are pursuing their own entrepreneurial or educational endeavors.

Email Craig


RUBY CASTILLO - Operations Manager

Ruby is a native of San Diego County with a rich history in Southern California.  She has worked in the insurance industry since 1989; beginning at Farmers Insurance as a file clerk and quickly promoted, where she worked in each of the following disciplines:  Commercial; Workers' Compensation; Auto / Home and Personal Umbrella and then advanced to a management role in the Billing Department.  In 2005 she left the regional office and joined a district office - still with Farmers.  She remained with that $100 million dollar district office until 2018 when she successfully transitioned to the brokerage world.  Here at ISPC, Ruby is the Office Manager.  All financial aspects of the business pass through her hands; including P & L and Human Resource responsibilities.  Ruby is known as the "go to" person in the office.  When not on the job, Ruby enjoys spending time with her family and friends, and is very active in her church.  She brings years of experience and know how to ISPC and ASAP.

Email Ruby

Gladys Carvajal Nevarez - Private Client and Commercial Broker

Gladys strives to provide her clients with the best coverage at the most competitive prices and enjoys getting to know each and every one of them.  She considers it her job to ensure her clients understand their insurance coverage and the reasons why each of their coverages are important in protecting their business, as well as their employees. She is fluent in Spanish and loves working with Spanish-speaking clients.  

Since 2007, Gladys has been licensed in Property and Casualty and offers both commercial and personal lines coverage with expertise in General Liability, Business Owners Policies, Workers' Compensation, Business Auto, Professional Liability, Employment Practices Liability.  She works with insurance partners who endeavor to provide outstanding insurance coverage. Gladys has worked with all size accounts - from small business to middle and large market accounts. Her top priority is availability to her clients whenever they need her. "Serving the hospitality, retail and contractor industry means communicating with my clients when it is convenient for them."  
Gladys was born in Mexico and moved to San Diego when she was 5 years old.  When not working she'll likely be cooking and entertaining at home, hiking, or spending time outdoors with her husband, son and their blue nose pit-bull.  

Email Gladys

Gladys Carvajal Nevarez


Patricia (Patty) joined our team to do what she has always done best: provide high-level client support. She has a 4-yr. Business degree with an accounting emphasis, is licensed by the IRS and the Franchise Tax Board. Patty’s extensive corporate America background, her 18 years as an entrepreneur in the accounting/bookkeeping/tax preparation world, and her desire to give clients what she was unable to attain from insurance agents; made the transition to the other side of the business spectrum easy. Now a fully-licensed insurance agent, working with the premier team of business-policy specialists in San Diego, Patty's clients can be assured their insurance needs are met and their policies adequately protect their businesses. Her mission statement: “Help clients achieve their goals with the highest level of integrity, efficiency and professional services!” Born and raised in Wisconsin (and still a Green Bay Packer’s fan).

Email Patty

LINDA LESTER - Commercial Account Manager

Linda joined our agency in 2016. She is retired from a manufacturing software company where she worked directly with the client’s staff; designed and documented departmental requirements, coordinated software modifications with the programming team, wrote instruction manuals and ran training classes. Here, at Insurance Solutions Pacific Coast, Linda works remotely out of Ohio where she manages Commercial Accounts with respect to renewals, appropriate discounts, processing certificates of insurance and any issue relating to premiums and payments. Linda is married, has one son and daughter-in-law, two adorable grandsons & two Standard Poodles. Her focus is family, friends, staying fit and eating healthily – farm to table whenever possible. Playtime for Linda includes beach, skiing or backpacking trips. Other hobbies include gardening, cooking and riding bikes.

Email Linda

Jackie Baker - ISPC Agent

Jackie joined ASAP Insurance and Financial Services, a solely owned subsidiary of ISPC, in 1994. ( Jackie is a licensed agent with more than 25 years of experience. Her focus includes first line communication with clients to research and issue policies based upon customer needs. With specialization in the automotive industry, Jackie helps Car Dealership sales staff obtain auto coverage for their clients at point of sale. Jackie’s friendly approach to the insurance quote process makes her your best advocate, working as an intermediary between the insurance carrier and the customer. Jackie has been a San Diego resident since 1986 and enjoys spending time with her daughter and little Pekinese dog Honey.

Email Jackie

Anna Olingay - CSR

Anna has worked as a Production Manager for a lens manufacturing company where, after 4 years, she was promoted to Quality Control Officer.  At a telecommunications company, where she worked for 10 years, she was their Technical Support and Senior Support Staff.  Anna graduated from Cebu Institute of Technology with a degree in Electronics and Communications Engineering.  Now a valued member of our staff at ISPC and ASAP, Anna has taken on an advisory role with respect to renewals - both Personal and Commercial, with an eye open for better policies or available discounts.  She processes all requests for Certificates of Insurance and resolves cancellation and payment issues.  In her free time, Anna enjoys gardening and watching crime TV shows.

Email Anna


LIsa Johnson - ISPC AGENT

Lisa joined our team in May of 2019. Insurance can be confusing and that is why she is committed to listening to her clients' needs. Drawing on years of experience in home, auto, flood, and other personal lines of insurance, Lisa can confidently advise you with confidence, integrity, respect, and excellent service - the same qualities that are the root of ISPC's core values. A multitude of options allows her to accommodate your unique insurance needs; and offer you peace of mind that she will be there when you need her. A quick conversation with Lisa will determine what works best for you! What's the value of insurance if you are not adequately covered? As a San Diego native, she is very familiar with the area and the trends in risk evaluation. She is well-versed when it comes to high fire risk properties and the options for insurance, including the California Fair Plan. Lisa can guide you through different insurance policies including Life, Homeowners, Auto, Business, and more. When not at work she enjoys pedaling miles with her husband lance, on their tandem bicycle and participating in the many activities of her 16 1/2 year old twins Dilan and Bryce.

Email Lisa


Charley Beals  - Equity Partner

Charley Beals has worked in insurance for nearly twenty years, operating in many different positions, including agent and District Manager, since his start in 2003. From 2005 to 2013, he ran a top producing commercial district in Southern California for Farmers Insurance. In 2014, he turned his Commercial Insurance expertise into Beals Insurance Agency, Inc. This boutique agency specializes in servicing Residential Care Facilities in California, Washington, Oregon, Arizona, and Texas. As its CEO, Charley’s respect for quality and care has guided it from a small business to a sought-after agency.

Charley graduated from the University of California, Santa Barbara, with a Bachelor of Arts in English Literature. His next venture was to establish and act as the CEO of Dovetail Ventures, Inc., a manufacturer of personal care products serving the advertising specialty industry. This ingenuity in blending practical need with aesthetic appeal made him a two-time patent holder, awarded in September 2000 and March 2003.

In 2016, Charley added “published author” to his already diverse resume. He used his years of insurance experience and overall business acumen to write “California RCFE Insurance Guide: Getting the Protection You Need in a Changing Environment.” This guide embodies Charley’s driving goal within the insurance industry: to help people take care of each other, in any way possible.

In his spare time, Charley enjoys fishing, acting as a Casting Instructor for the Conejo Valley Fly Fishing Club. He currently lives in Carpinteria, CA, with his wife, Beth, where their two adult daughters visit.

Email Charley


Mateo Torres  - ISPC Agent

A creative problem-solver highly skilled in relationship development and customer service, Mateo has excelled in marketing during his time in San Diego. As a team player with the ability to innovate and think outside of the box while still paying close attention to details, he will work tirelessly to ensure your insurance needs are covered. Licensed in Property & Casualty Insurance, Mateo brings a fresh perspective and new ideas to the team at ISPC. In his free time, Mateo enjoys the challenge of playing golf and in 2019 celebrated his first hole in one!

Email Mateo

Mateo Torres

Kim Mudge  - ISPC Agent

Originally from Cincinnati, Kim graduated from Michigan State University with a bachelor’s degree in Business, and from Western Michigan University with a MBA in Marketing.  Kim has more than 30 years experience in global business sales.  In 2019, Kim decided it was time to stop working for large corporations and to start working for herself!

Kim’s passion is surprising her clients by going above and beyond for them.  When everyone else says ‘NO’ or ‘Our policy says…’, Kim says ‘Yes, but let’s shoot even higher!’.

Kim and her husband Randy have a combined family of four children, hoping to get the last one through his Senior year of high school.  To celebrate the empty nest, they decided to add one more smaller member to the household, and in June welcomed Josephine Bone-apart (a cute 5 pound Coton-Poo) to their family!  When you stop in Kim’s office, don’t be surprised to see little Josie happily napping under the desk! 

e in one!

Email Kim

Kim Mudge

Our Message To You:

Insurance Solutions Pacific Coast, Inc. (IPSC) is an independent insurance agency that has been providing insurance protection to greater San Diego. Our team's combined experience gives our agency over 150 years of insurance expertise.

Unlike most insurance agencies, ISPC is not owned or tied to any one insurance company, thus allowing us to provide objective information to our customers and help them make informed decisions about their insurance needs. As an insurance broker, we have access to a network of top-rated insurance companies; which translates to you receiving the best rates and most comprehensive coverage.

Ultimately, our goal is to save you money without sacrificing quality coverage on your auto, home, motorcycle, life, and business insurance needs. We believe this is achieved by providing excellent customer service and offering consultative advice that protects all that is important to you, your family and your business; now and in the future.