Apex Risk & Insurance Services

A recent story we heard from a restaurant owner... It started like any other hiring decision. A bartender came in, interviewed well, and seemed like a solid addition to the team. Over time, there were issues, lateness, missed shifts, enough to put him on a performance plan and document it carefully.

When things didn’t improve, they made the call to let him go. Everything was handled by the book.

A few weeks later, the claim arrived. Discrimination. Hostile work environment. Retaliation. He had filed a similar claim against a previous employer, something no one at this business knew when they hired him.

They ultimately won. Their documentation held up. But the process still required legal counsel, time, and significant cost. The kind that pulls focus away from running the business.

That’s where EPLI comes in. It covers the defense, not just the outcome. Because even when you do things right, you still have to respond.

We break this down further in our recent blog. Link in the comments section.

Meet Lucy Busby.

Lucy is one of those people who genuinely enjoys what she does, and it shows. She’s been in the insurance world since 2017, found her stride as a broker, and has built her approach around being responsive, thoughtful, and easy to work with.

She’s also a North County local through and through, Solana Beach to Cardiff, with deep roots in the community and a strong connection to the people and businesses here.

If you need someone to walk you through your commercial insurance with clarity and care, Lucy’s your person. And if the conversation turns to where to eat afterward, she’ll have a few solid recommendations for that too.

Insurance shouldn’t feel like a sales pitch.

At Apex Risk & Commercial Insurance, we believe you deserve clarity, options, and a partner who actually understands your business. We focus on personal attention, custom solutions, and real conversations that help you make smarter decisions about risk.

No pressure. Just better insurance.