Article: What have we been up to since 1909?(BARNEY & BARNEY Celebrates 100 YEARS)

1909

San Diego High School graduates, Phil Barney & Stewart Kendall open first office in the Granger Building downtown selling fire insurance, "Kendall & Barney."

Insurance companies hesitate to provide health insurance, feeling it has a high potential for "adverse selection and moral hazard"

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1911

Phil's brother Lorenze joins the firm," Barney, Kendall & Barney."

Construction begins in Balboa Park for the Panama--California Exposition.

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