JP Hayes

JP Hayes Insurance Agency

Welcome to the heart of JP Hayes Insurance Agency — where protection meets personal connection, and every policy is built on trust, expertise, and a genuine commitment to doing what’s right for you. At the helm of this growing, award-winning agency is JP Hayes, a Carlsbad-based independent agent whose story is as compelling as the comprehensive coverage solutions he delivers daily.

From Ireland to Southern California: A Story of Hard Work and Heart

Born in Ireland and raised with the timeless values of hard work, community, and integrity, JP brought those principles with him when he immigrated to the United States. Those roots run deep in everything he does. Whether he’s sitting across the table from a young family buying their first home, guiding a local business owner through complex commercial risks, or mentoring the next generation of insurance professionals, JP approaches every relationship with the same warmth, honesty, and determination that have defined his journey from the Emerald Isle to Southern California.

Over a Decade of Experience, Six States of Service

With more than a decade of experience in the insurance industry, JP has worn virtually every hat in the business. He began his career mastering personal lines — auto, home, life, umbrella — then expanded into the intricate world of commercial insurance, workers’ compensation, group health benefits, and specialized risk management. Today, as the owner and principal agent of JP Hayes Insurance Agency, he leads a team that proudly serves clients across six states: California, Arizona, Idaho, Nevada, Texas, and Utah.

Licenses, Education, and Uncommon Market Access

JP holds both Property & Casualty and Life, Accident, and Health licenses in California and is fully licensed in each of the additional states where the agency operates. But licenses are just the beginning. JP invests heavily in continuous education — staying ahead of California’s ever-changing insurance regulations, diving deep into advanced commercial underwriting techniques, and maintaining strong relationships with both Farmers Insurance and a wide network of independent carriers. That combination of carrier access and market knowledge is what allows him to shop dozens of highly rated companies to find the perfect blend of coverage, service, and value for every client.

Award-Winning Performance Built on Client Trust

The numbers tell part of the story, but they’re impressive nonetheless. JP has twice been named to the prestigious Farmers Insurance Presidents Council — an honor reserved for the top 1% of agents nationwide. Nine additional times he has earned Topper Club recognition, placing him consistently in the top 10% of performers. Yet for JP, awards are simply a byproduct of an unwavering focus on client outcomes. Year after year, the agency continues its steady growth not through aggressive sales tactics, but because satisfied clients refer their friends, family members, and business associates. In an industry that can sometimes feel transactional, JP has built a reputation for being decidedly relational.

What Clients Say Sets JP Apart

Ask any client what sets JP apart and you’ll hear words like “listens,” “explains,” “cares,” and “follows through.” He has a rare ability to translate complex insurance concepts into plain language, making sure clients understand not just what they’re buying, but why it matters. Whether he’s designing a high-value home and auto program for a coastal Carlsbad family facing California’s challenging property market, structuring a comprehensive business owners policy (BOP) plus workers’ compensation for a growing construction firm, or helping a small business navigate group health options, JP’s recommendations are always tailored, never one-size-fits-all.

Life Outside the Office: Family, Fitness, Music, and Community

Outside the office, JP is every bit as dedicated to the people and passions that light him up. He and his wife are proud parents to four active, adventurous kids who keep them on their toes and grounded in what matters most. A lifelong fitness enthusiast, JP starts most days with a workout — he’ll tell you it’s as much for mental clarity as physical health. Music is another constant in his life; he plays guitar and has been known to join impromptu jam sessions with friends. Those creative and physical outlets recharge him for the long hours and high stakes of running an agency that never settles for “good enough.”

Your Advocate in an Overwhelming Insurance World

When you work with JP Hayes Insurance Agency, you’re not just getting an agent or even an agency. You’re gaining a true advocate — someone who will stand in your corner when the unexpected happens, fight for every discount you deserve, and proactively review your coverage as your life or business evolves. In an era when many people feel overwhelmed by insurance choices and rising rates, JP and his team bring clarity, confidence, and peace of mind.

Ready to Experience the Difference?

Whether you’re insuring your first car, protecting the home where you’re raising your family, safeguarding the business you’ve poured your heart into, or planning for the financial security of the people you love most, JP Hayes is ready to roll up his sleeves and go to work for you.

Irish roots, California spirit, and an unrelenting commitment to excellence — that’s JP Hayes. We invite you to experience the difference for yourself. Reach out today, and let’s start building the protection plan that’s exactly right for your life, your family, and your future.

JP Hayes, Owner