I come from a background of owning businesses. This gives me a unique lens on how to optimally partner with my clients. I approach insurance with the goal to take away as much risk from the business as possible, through risk control programs and transference to insurance carriers for the right price.

Rick specializes in working with business owners across all industries with a unique focus in the restaurant/bar space, given his background in the trade. Other areas of focus include manufacturing, distribution, cannabis, and property management companies.

He's been in the industry for over 10 years and is currently working on his third CIC class designation, with the goal of completing his full accreditation.

A Southern California native that has lived in San Francisco for over 20 years, Rick is an avid traveler who has been to over 25 countries and counting.

https://www.linkedin.com/in/richard-monetta-a3449818

Restaurants, Bars, Franchises, Cannabis, Manufacturing, Distributors, Property Management

I’m a driven and solution oriented individual. I find that the best way to be an effective producer is to have the ability to empathize with my clients while being the director behind the scenes and solving problems they may not want to deal with at the time. I’m an upbeat and fun professional that can get the job done while turning my clients worst days into something positive and productive. I enjoy helping others and being engaged with a team. 

Mike spent 13 years at his family’s concrete company as Director of Safety and HR as well as the Controller. He was especially hands-on with the insurance aspect of the company which allows him to relate very closely with his clients. After getting his MBA from California State University, Fresno, he transitioned to the insurance world. Because of his experiences he understands the frustrations clients feel surrounding claims and the fear clients have when they don’t know where they are covered. He regularly pulls from these experiences which has made him someone companies can trust.  

Currently based in Fresno, California, Mike has built a large network of relationships heavily focused in agriculture and construction. His specialty is solving complex problems for companies while being the confidant behind the scenes for executives as well as being a first-responder for client problems surrounding risk. 

Mike is a loving father of 3 daughters and husband to his wife since 2012. He is an avid golfer and loves all areas of the game. Want to learn more about golf? Mike is a custom club fitter for Callaway Golf and loves helping others get into the game.

https://www.linkedin.com/in/mike-bone-76908614a/

I take my clients’ business challenges personally and always ask myself, “What would my client want?” I’m not satisfied with any outcome unless it’s what I would want for my own business.

With over 25 years of experience, David can quickly identify risk exposures and offer solutions from a 360° perspective. 

Prior to being an insurance broker, he was an insurance claims adjuster and a negotiator for a law firm. Throughout his career, he's managed billions of dollars in insurance premium as well as advocated for and helped defend clients in claims and lawsuits exceeding billions of dollars in value. His claims expertise uniquely qualifies him to design watertight insurance programs for his clients and advocate for them during claims resolution to obtain the most favorable results.

In addition to having extensive experience in the insurance industry, he's earned an MBA from the University of Southern California, has sales and operations experience in overseas manufacturing, and is fluent in Mandarin Chinese and English.

David's passion lies in advocating for his domestic and multinational clients and resolving any of their tough insurance problems.

David is a commercial insurance generalist who specializes in hard-to-place risk.

As an experienced insurance sales leader, I help technology and private equity companies propel their business success through properly structured risk management and insurance programs. 

Nick transitioned into the insurance industry after spending 16 years running national and international sales teams in the media and technology sectors.

He specializes in large complex deals with international exposures. He's worked in the private equity arena providing M&A due diligence and building portfolio programs to reduce costs and improve terms and conditions, focusing on technology and life science risks.

In his spare time, Nick is actively involved in the lacrosse community, traveling frequently to watch his kids play the sport for their colleges.

https://www.linkedin.com/in/nick-mayle-6a5294

High-growth technology startups, biotechnology, and private equity.

Ultimately, I work to protect my clients' business assets, and by extension, them. I do this by negotiating the best coverage possible, at the lowest responsible price, for all my clients year after year.

Comprehensive Coverage for the Healthcare Industry

Brian’s experience with insurance is a hero’s journey. Starting in the mailroom of his father’s brokerage, he gradually leaned into the industry, learning the ropes as a broker handling surety bonds, and placing commercial coverages for clients in all industries. After an immersive education in literature and philosophy, Brian was drawn into the business world and ultimately came back to insurance.

Early in his career, he turned his attention to business administration, where he successfully managed multiple businesses and drove an annual revenue increase by more than 40 percent in some cases. Since then, he’s applied his business and insurance expertise to assist organizations in managing their complex risk by building and placing airtight insurance programs. 

Brian graduated from California State University, Sacramento with a Bachelor of Arts in English and a minor in Philosophy, earning various accolades in creative writing as well. He currently lives in his hometown of Sacramento with his wife and three rescue dogs. When he’s not advocating for his clients, he continues to write and contemplate philosophy and world religion. 

https://www.linkedin.com/in/brian-king-a624b011/

My advocacy to clients is motivated by my deep love and admiration for the musical and culinary culture of my adopted hometown: San Francisco. 

Reece has been insuring businesses in the San Francisco Bay Area hospitality industry for over 15 years. He is passionate about advising restaurants, taverns, bars, nightclubs, hotels, and cannabis enterprises in the purchase of specialized liability and property insurance, workers' compensation, employment practices (EPLI), directors & officers (D&O), and professional liability coverage (E&O).

A New Orleans native, Reece is a San Francisco transplant of two decades. His transition from managing indie record labels to advising rock star chefs was a natural one. His work continues to be inspired by the culinary and musical culture of his adopted hometown.

https://www.linkedin.com/in/reece-walker-4362474/

Hospitality industry including but not limited to restaurants, taverns, bars, nightclubs, hotels, and cannabis enterprises.

A deeply technical commercial producer that will work endlessly to ensure that my clients get the best possible premiums as possible as well as securing complete coverage on all their policies. I place a high value on loyalty and as a result my clients and I stay together for a long time because I always going above and beyond to help each and every one of them.

Michael started his career with a construction business and later moved to insurance with a strong focus on Worker’s Compensation. Starting off as a field inspector for the Worker’s Compensation Insurance Rating Bureau, he ended up running a region for a Worker’s Compensation Carrier. Ultimately moving to the brokerage side for more opportunity in helping clients.  

Based out of Santa Rosa, CA, Michael has extensive experience working with clients to simplify their insurance programs while saving money and ensuring they are fully covered.Through his experience working with a Workers Compensation Carrier he is immensely knowledgeable in coverage and works closely with each client to ensure they are fully covered. 

Michael is a loving husband and father of two daughters. With one daughter a competitive golfer, his family and him spend a lot of time together traveling around the country for golf tournaments and playing a few games here and there during his spare time. 

https://www.linkedin.com/in/michaelsinatra/

I’ve seen it all, and I find it extremely gratifying to protect my clients from low-value policies and guide them to smart coverage that’s competitively priced.

Going on 40 years of experience providing commercial insurance for those who have a stake in the real estate community, David is passionate about helping contractors, board members, managers, and homeowners keep their properties safe from risks, known and unknown. 

As part of his dedication to his clients, and at no cost to them, he reviews management company vendors for compliance with all insurance, licensing, and documentation requirements. This level of service helps clients increase productivity while adding layers of protection for their business and association clients.

David offers commercial insurance to homeowners associations, apartment complexes, and contractors.

Connor’s ambition for achieving success has taken him across the country and back. Born in San Mateo, California, he earned a Bachelor of Arts from the University of North Carolina (UNC), Chapel Hill and learned the ropes at multiple brokerages in Texas and California.

He started out his career in Texas as a site development researcher at a consulting company. Then, as a broker assistant at a wholesale excess and surplus (E&S) brokerage, he learned to navigate the nuances of a complex insurance market while building advantageous relationships with underwriters across the industry. Finally, at an insurance firm specializing in the construction industry, he helped both broker and underwrite coverages for an MGA targeting scaffolding, dismantling and erection companies as well as crane, demolition, and rigging operations. After marrying a fellow Californian, he would come back to the state and settle near San Diego, to continue working in the industry and attain his California property & casualty insurance license as well as his Accredited Advisor in Insurance (AAI) designation. 

Connor volunteers for The Patriots Initiative, a non-profit resource for identifying and evaluating charitable organizations that give proceeds to the U.S. military and its veterans. He’s also fluent in Portuguese and Spanish and enjoys surfing in Cardiff-by-the-Sea (just north of San Diego), where he lives with his wife and two dogs.

https://www.linkedin.com/in/connor-d-barrett-aai-92686758/

I've been described as a high energy guy, straight shooter and very service oriented.  Made a career for myself in the Financial space servicing clients with Mortgages and Financial Planning.  In 2012, I moved over to the Insurance Brokerage side to an Industry where I can capitalize on the relationships I've developed and continue to service my clients and friends.

John grew up in Moraga, California and attended UCLA with an Economics degree.  After working in the Mortgage Business and Financial Services space, John enjoys the steadiness of the Insurance Business.  His main focus is to service his clients by understanding their business and to address their concerns.  Clients know that John is always there for them and his dedication to their business has helped create referrals.  John has created a lot of relationships from his previous roles and he's excited to work with C-Suite Level Executives and Business Owners as his career develops.

John is a devoted Dad of 3 teenage daughters.  The oldest, Lauren, is a senior at University of Arizona studying Nursing.  Lindsey is in her 2nd year at Cal Poly/San Luis Obispo and studying Communications while the youngest, Brooke is going to be a Junior in High School.  He and his wife Kristin enjoy traveling and spending time together with their dogs.  John is an avid golfer and enjoys traveling to play courses all over along with attending major sporting events.

https://www.linkedin.com/in/john-dwyer-3565ba21/

Two things are critical in an insurance agent: trustworthiness and expertise. I'm the right person for my clients because they can trust me and I'm knowledgeable in what I do.

Based in Fort Bragg, California, Mike Hall got his start in insurance 17 years ago when he answered a newspaper ad for an agent trainee. Mike found in insurance not only a career to support his growing family, but a path to deep and lasting connections to his community.

Mike's commercial insurance specialties include the timber, construction, and hospitality industries. To best serve his timber clients, Mike shadowed a logger and committed to learning the tools, lingo, and risks of the profession, and he's proud of the reputation he's earned along the way. As for his construction and hospitality clients, Mike exceeds expectations by taking a long-term, strategic approach to saving each company money.

Mike sits on the board of directors of Parents & Friends, a large regional nonprofit supporting adults with developmental disabilities. When he's not working, Mike is golfing, snowboarding, surfing, or spending time with his three favorite people—his wife and two kids.

https://www.linkedin.com/in/michael-hall-44929b20/

Mike specializes in commercial insurance for the timber, construction, and hospitality industries.

I started working in the industry for a customs broker at the age of 12, and now work with all manner of transportation and logistics companies to manage their exposures. With thinning industry margins, I love being able to help companies with tailored, cost-effective insurance and surety solutions. 

As head of logistics at Newfront, Jason guides our product offerings and expertise for the many different types of companies importing, creating, storing, or shipping goods. 

Jason has 13 years of experience across the insurance industry. With a career that began in claims, he then transitioned to the sales side at a cargo and import bonds specialty firm, before building out the cargo practice at a Top 10 insurance brokerage. Working on progressively larger and more complicated risks, Jason has experience crafting insurance and surety solutions for organizations of all sizes. 

When he’s not working, Jason enjoys spending time with his wife and two daughters.

https://www.linkedin.com/in/jasonvanderyacht

I aim to provide a superior service and a quality product to all my clients, by knowing all their exposures and hazards and to be able find a solution to meet all their unique insurance needs.

Tuan possesses 12 years of experience as a commercial insurance broker and substantial knowledge in property and casualty insurance. He's committed to creating effective insurance programs for small to medium size companies. In addition, he's provided consulting and problem-solving to companies with many special circumstances.

He works closely with client management teams (CEO/Principal's, CFO, COO, Risk Managers, Controllers, Legal Counsel and HR departments) to build insurance programs that improve the business balance sheet while effectively transferring and mitigating risk. 

Commercial Property, Commercial Liability Commercial Auto, Workers' Compensation, Crime and Directors & Officers

My goal has always been to provide effective risk management and insurance coverage solutions with a strong emphasis on service and the client experience. That’s my commitment to my clients.

When his dad’s business partner suddenly passed away leaving a void of talent at his independent insurance agency, Jeff immediately stepped up to the plate. Although he had just graduated from college and was enrolled in law school at the time, Jeff rolled up his sleeves and immediately got to work, learning the ropes in insurance and partnering with his father to lead the agency into continued success. 

Formed in 1957, the Malone Agency would come to be a stalwart business in Los Angeles, recognized by insurance carriers and community members for its deep integrity and honest client relationships. In the 1980s, Jeff would partner with fellow industry veteran Steven Ludwig, to form the agency Malone-Ludwig Insurance Services, as always focused on the risk management of the Southern California community, covering insurance needs from every angle. 

In 2019, Jeff and Steven would make the next milestone move for the company: joining forces with Newfront Insurance. By joining Newfront, Jeff can provide his clients with the same level of detailed service as always strengthened by Newfront’s power of technology and expansive carrier relationships.   

Jeff is past president of IIABWest (now IIABCal), a group that provides legislative advocacy to independent insurance agents and brokers. He holds the distinction of receiving Safeco Insurance’s Award of Excellence for the past 12 years. 

https://www.linkedin.com/in/jeff-malone-8b09109/

I am honored to be entrusted with my clients’ insurance needs and to be their point of contact. My clients reach out to me whenever they have questions about their business or personal risk, and I am always here to find the right answers. 

https://www.facebook.com/kelseymalonenewfront

Kelsey is a third-generation insurance agent with over 20 years in the industry. He learned the ropes at the independent insurance agency formed by his grandfather in 1957, which was passed down to his father in the 1980s. The firm would later come to join forces with a business partner and became Malone-Ludwig Insurance Services, Inc., based out of Southern California.

Over the years at his family’s firm, Kelsey formed a professional ethos that focuses on the holistic coverage needs of his clients. For Kelsey, the best part of his job is making sure he finds the right risk protection for his clients throughout all the exciting changes in their lives—from buying a new home or car and getting married to starting a new business and eventually expanding it. 

Originally from Huntington Beach, California, Kelsey lives in downtown Los Angeles, where he enjoys hiking in any of the area’s many mountain ranges. He also enjoys traveling, recently spending some time in Peru and Columbia. He plans on polishing his Spanish skills to continue his exploration of Spanish-speaking countries. 

https://www.instagram.com/kelseymalonenewfront/

https://www.linkedin.com/in/kelseymalone/

My goals are to recognize the unique needs of each business, simplify the insurance process, and deliver the best possible insurance solutions and experiences to my customers promptly.

Transportation and Warehouse Professionals

Krishna is an Eastbay Northern California resident who earned a computer science degree from UWS, Australia. He possesses  6 years of experience advising businesses in risk management and insurance solutions. His passion lies in working with small- and large-sized businesses across all industries, providing solutions that adequately cover their risk at the best possible price. 

https://www.linkedin.com/in/krishna-patel-516845182

Specializes in Hospitality Hotel & Motels, Small business, Transportation, Technology, warehouse. And if you don’t see your particular industry listed above, I'm still very happy to research and provide a package that is custom designed just for your needs.

I’ll never sell to you; just pick up the phone and together we’ll decide if I can help your business. Whether you’re in cannabis or the auto/motorcycle industry, my interests are aligned with yours and I’d love the chance to explain how.

Marshall Nehring puts his 13 years of insurance experience to use providing highly specialized insurance guidance to cannabis operators. Most of his career has been devoted to helping operators within high hazard industry segments better represent themselves and negotiate with the insurance marketplace. He is currently based in San Francisco but his clients are split equally between Northern and Southern California.

Marshall’s approach to client service is to take the time to deeply understand his clients’ businesses, integrate his services into their workflow, and find ways to improve their risk portfolios and bottom lines. Marshall advises his cannabis clients in particular that most startups are getting comprehensive business advice from their insurance brokers, and cannabis operators should expect the same. As an industry veteran, Marshall guides cannabis clients on issues far beyond insurance, including licensing, management of supply chain partners, IP protection, and facility buildouts.

Marshall is married with two children and spends his free time outdoors, mountain biking or hiking in beautiful places.

https://www.linkedin.com/in/marshallnehring

Marshall specializes in providing commercial insurance to cannabis operators, auto/motorcycle dealers, and security services providers.

It is my passion and total enjoyment to build lasting and strong relationships with everyone I interact with. What other industry can provide deep, meaningful relationships that can last for generations? Simply, I love being the 'Insurance Guy.'

As a California native with a background in financial services, broker Josh Young sees a unique role for himself in contributing to the economy of his home state; that is, by making sure his clients are properly insured, he can help their businesses grow over the long term.

Josh works with companies of all sizes. In addition to large financial services clients, he has a passion for covering risk for small to mid-sized ventures, always with an ethical approach: He'll only sell insurance that will help you meet your goals—no more, and no less.

Among those businesses are construction-industry clients who work in painting, remodeling, excavation, and paving, plus a side specialty insuring salons and barber shops.

Josh looks forward to bringing Newfront's competitive markets, ease of service, and outstanding account professionals to new and existing clients.

https://www.linkedin.com/in/josh-young-3036aa47

Josh's commercial insurance specialties include financial and professional services, commercial technology companies, start-up consultants, construction, and barber salons. He also provides personal insurance for private clients.

I began my career in the insurance industry while I was a junior at USC, working my way up from the accounting department to commercial insurance, working with business owners and nonprofit organizations to transfer and manage their risks.

I’m a native Angelina, a life long Los Angeles resident and a graduate of the University of Southern California, with a BS in Social Welfare. I have over 30 years of commercial insurance experience, with a sub-specialty in providing insurance and risk management services to nonprofit organizations.

I earned my Associate in Risk Management (ARM) credentials in the 1990’s. I work with business owners, including professional firms and manufacturers to reduce their exposures to loss.

https://www.linkedin.com/in/maureenbernstein

Nonprofit organizations, professional firms, distributors and manufacturers, restaurants, retail, construction and family owned businesses. I work very well with multiple generations, assisting in the transition of insurance from founders to the next generation of management.

I’m a passionate commercial producer that doesn’t accept “NO” when developing solutions for my clients. I enjoy building relationships and understanding my client’s stories. Being a headstrong, go-getter in this constantly evolving industry is gratifying. I am constantly adapting and learning in new environments which is why I’m ready to think outside of the box and provide the best possible solutions and services for my clients. 

Mindy has been in the industry since 2006 and started off at State Farm in Texas and ultimately moved from a captive to an independent brokerage. She wanted to focus on building relationships and really providing what is best for her clients- quality not quantity. She started her own independent agency with an expertise in High Net Worth individuals and Small Businesses. Her agency ultimately joined with HUB International to free up her time and prioritize her clients and family. 

Based out of San Diego, CA, Mindy’s specialty is Cannabis and Agriculture. She will be spending time helping grow out Newfront’s Cannabis vertical. She also continues to write in the High Net Worth space and technology start ups. Her strength is working with clients that have challenging situations and collaborating with them to provide the best possible solution. 

Mindy is a loving mother of a daughter and 2 sons with a husband who was in the Special Forces for 12 years. She loves cooking with fresh herbs so Italian and Asian Cuisines have been her speciality. As a family, they love the beach and enjoy hanging out on their family beach cruisers or hiking.

https://www.linkedin.com/in/mindy-joslin-aa459134/

My priority is about establishing trust in all my relationships—from my clients to the carriers. In this way, I can most effectively identify my clients’  insurance needs and negotiate the best coverages in the market. 

When Steven’s father left Ohio Casualty to start his own insurance brokerage back in the 1950s, Steven was destined for a lifelong, successful career in the insurance industry. After growing his business acumen at his father’s firm, he would merge the company with fellow industry colleague Jeff Malone. Together, they would create one of the leading privately owned brokerages in Southern California, Malone-Ludwig Insurance Services, Inc. 

At the firm, Steven focused first and foremost on the honest, ethical relationships he formed with each of his clients. His mission would be to provide advocacy that responded to all their insurance needs—from auto and home, to business property coverage and workers’ compensation. 

In 2019, Malone-Ludwig would make the next milestone move for their clients by joining forces with Newfront Insurance. At the firm, Steven provides his clients with the same level of detailed service as always strengthened by Newfront’s power of technology and expansive carrier relationships.   

Steven is an avid fisherman, and he fondly showcases dozens of trophies (from the lighthearted tongue-in-cheek to the more notable in distinction) in his home in Los Angeles.

https://www.linkedin.com/in/steven-ludwig-a2247739/

I'm honored and proud to be the insurance adviser for successful individuals, families, and small businesses.

Ryan has been an adviser for over 10 years and values the relationships with his clients. He works with your dedicated team of insurance specialists to learn the whole picture of your insurance needs and create customized solutions that protect you and your lifestyle. For Ryan, being part of Newfront is something he is extremely excited about, particularly because of the technology and collaborative culture he can bring to his clients, so they have a much better insurance experience.

Based in the Sacramento area, Ryan is an avid (albeit amateur) golfer and enjoys cooking for his wife and two daughters. They are a swim team family, so they spend many weekends racing at the pool.

Specializing in all lines of Personal Insurance. Expertise in high value homes and autos, high-profile customers, complex liability situations, hard-to-place homes and vacation properties. Also experienced in Hobby Farm/Ranch coverage and Small Business Insurance.

Highly competitive individual who appreciates structure and consistency....Self driven. I believe my strongest attribute is having the ability to develop a wide range of relationships by doing whatever it takes to get in front of a person. Whether this is building relationships with new clients, connecting others for a common purpose or being that go-to person, relationships that rely on loyalty is my priority. 

Danny has been working in Insurance since he graduated High School. He worked at State Compensation Fund in the underwriting department during college. Once finished with school, career development took place being the Business Development Manager at Midwest Insurance and Pacific Compensation.

Based in Fresno, CA, Danny has a holistic understanding of the insurance industry, truly making him a risk advisor for his clients especially with Workers Compensation. His experience working on the carrier has provided him with a great deal of expertise in terms of understanding ex mods, risk management and claim mitigation. His clients have been able to benefit from his ability to go in depth with clients about their ratings and explain their quotes in detail. He was nominated as a 2020 "Industry Leader" from Work Comp Central.

Danny has been married to his wife Stefani for 6 years. He is a father of 2 boys, Braxton and Beckett. His household can be described as controlled chaos filled with a lot of love, sports and craziness. He coaches Braxton's baseball team and is an avid golfer. When they can, the family enjoys traveling around the world with their favorite destination being the Azores Islands of Portugal already having visited 2 times.

https://www.linkedin.com/in/danny-vance-94851666/

I’m driven to build lasting relationships with my clients and partner for their long-term success. I’m proud to be that person they call when they need solutions and answers to protect their businesses.

Through constant learning and adapting, Andrew maintains a deeper understanding of the issues in business his clients face, including insurance requirements nationally and internationally. While at Sacramento State College earning his Bachelor’s in Business Administration, he earned his insurance license and began building client relationships, many of which he still holds today. He then went back for his MBA and took a series of courses on international studies in Sydney, Australia, all the while maintaining his clients in the States. By twenty-one, he built a book of business worth over $1 million in premium.

His tenacity drives him to obtain the best insurance solutions for his clients. For Andrew, this means not just finding the initial coverages, but also proactively staying on top of trends and evolving carrier solutions to find better programs and lower rates year after year.

https://www.linkedin.com/in/andrew-nave-099926153/

I enjoy being a partner to my clients and helping them to achieve their business goals through strategic employee benefits programs. But more than that, I love making the business of health insurance a better experience for people. 

Patrick possesses deep insight when it comes to employee benefits. With over a decade of experience, he has witnessed the evolution of health insurance and understands its trajectory. He is committed to advocating for organizations and their employees as the landscape of employee benefits continues to evolve in response to federal, statutory, and municipal laws; technological advances; and the increasingly discriminating needs of employers and their employees.

With extensive experience helping clients solve for their complex business needs, he is particularly adept at finding benefits solutions for organizations with variable-hour employees and with multiple sites on a national and global scale.

https://www.linkedin.com/in/patrick-hennon-8343709/

I am passionate and eager to help others and at the same time develop relationships. This is why I’m fully transparent with my clients 100% of the time and ask for them to view as an employee of theirs as I truly have their company's best interest in mind. I am happy to consult with anyone and share my insights/perspective unconditionally. Customer service is part of my DNA and I look forward to serving my clients as best I can. I am very proud of what I have been able to do for my clients thus far and look to continue doing the same for many more years.

In 2012, Tamir volunteered two years as a soldier in the Israel Defense Forces (IDF). Upon his army release he traveled throughout South America for 4 months. His aspirations of becoming an engineer were put on hold when his friend opened a State Farm agency and suggested they work together. Tamir quickly realized that having the ability to shop the market for his clients is the only way he can guarantee they are receiving the best options available.

Based in Los Angeles, Tamir focuses on blue collar industries where insurance costs can skyrocket if not handled properly. His strategy is to locate companies that are in the wrong home and get them into the right home. He does not like to consider himself a salesperson because he simply wants to help and is technically providing a free service to the insureds.

Tamir is close with his two brothers and sister and is an avid traveler. He loves the beach and water activities. He has logged over 40 scuba dives throughout the world. So far, he’s loved his experiences in Brazil and Thailand and is ready to build his travel list for the future. He also enjoys spending time with his Belgian Malinois puppy, Ezra.

https://www.linkedin.com/in/tamir-lerner-b231b3129/

I am the right fit for a client who wants a long-term relationship with a broker who puts the client’s interests first. If integrity, solutions, and transparency are important to you, let’s talk.

Debra possesses more than 30 years of risk management experience, partnering with entrepreneurs across myriad industries. Her clients include national and international businesses, from manufacturers and distributors to nonprofits. Debra describes her clients as the most hard-working, creative people among us, and she's proud to help them contribute to the US economy. 

Her approach to developing insurance programs is foremost about identifying and explaining a client’s risk exposures, so they can be confident when it comes time to decide on the risk retention and transfer mechanisms for their businesses.

Debra joined Newfront because there is so little innovation in the insurance industry, and Newfront is changing the game. Newfront is designing a new value proposition for both clients and colleagues, wherein they really can have it all—personalized service, human relationships, and a better tech experience for routine transactions.

In her free time, Debra enjoys walking on the beach and relaxing with her husband and son in their longtime community of Seal Beach, California.

https://www.linkedin.com/in/debra-scalice-237628117

Debra is a commercial insurance generalist who works with businesses of all sizes, including manufacturers and distributors.

My clients think of me as their outsourced insurance department. I take one more worry off their plate by protecting their businesses from risk.

Watertight commercial coverage across all industries

Ted is a Bay Area native with over 20 years of experience in the commercial insurance space. While he considers himself to be a generalist, he has many clients who are in the wholesale, manufacturing, construction, and commercial property industries. He makes it his job to understand the nuts and bolts of their businesses and how different insurance products can mitigate the unique risks they face. 

Having co-founded and built a private brokerage from the ground up, he knows what it takes to provide quality service for clients without creating barriers of bureaucracy. That’s why he joined Newfront: When he has suggestions for efficiencies in service to his clients, he's confident that Newfront will implement them without delay.

His client relationships span decades, not years. He's passionate about being the person his clients turn to for their insurance challenges, and he never loses sight of the fact that they trust him to be a partner in their success. Whatever their insurance needs, they know he'll get it done. 

When Ted's not advocating for his clients, he enjoys spending time with his two daughters, golfing, playing softball, and mountain biking.

https://www.linkedin.com/in/ted-gingrich-84a08117/

Wholesale, Manufacturing, Construction, Commercial Property

I grew up in an area where agriculture was vibrant and I always knew I wanted to be tied in with agriculture in some way. Today, I want to help farmers have a better quality of life by taking away some of their responsibilities so they can do what they love and I can do what I love—protecting them.

As head of agribusiness at Newfront, Seth Word guides our agriculture, horticulture, and cannabis practice and producers. A native of Salinas Valley, California, Seth most recently owned Cultivate Insurance Services, acquired by Newfront in September 2019.

Seth has 13 years of insurance experience and a background in sales. He was the number one producer for new business at every agency he’s ever worked, and one of the top brokers of cannabis insurance in California. He opened Cultivate in January 2018, and launched a proprietary safety management system designed to lower occupational safety risks—now a value added offering available to all Newfront clients in agribusiness and beyond.

Seth participates in community organizations like Rotary International and has served on boards of various non-profits. After appearing as a contestant on the TV show The Biggest Loser, he traveled around the country speaking to kids and adults about healthy lifestyles. In his free time, Seth enjoys playing golf, running, and spending time with his family.

https://www.linkedin.com/in/seth-word-4769173

Seth provides commercial insurance and risk management consulting to the agriculture, horticulture, and cannabis industries.

My reputation is everything. I’m the first guy to tell my clients that they don’t need a particular coverage. But at the same time, I help them understand the coverages they really need.

Angelo Dionisiou shares an entrepreneurial spirit with his clients that drives his commitment to their risk management advocacy. 

Having grown up in the restaurant business, Angelo knows the ins and outs of the industry. He possesses first-hand knowledge combined with deep business acumen that gives him a unique insight into what insurance services restaurateurs and distributors need in a framework that is cognizant of their business expenses. 

As Vice President at a previous brokerage, Angelo led a team of insurance professionals who were responsible for account management and client growth. He’s earned an MBA from Loyola Marymount University and a Juris Doctor from Loyola Law School. He’s licensed in property & casualty and life & health. Additionally, he holds the Certified Insurance Counselor (CIC) designation.

https://www.linkedin.com/in/angelo-dionisiou-9717b1111

Angelo focuses his attention on restaurants and distributors, helping them place property, casualty, and employee benefits plans. He also advises his clients on their personal coverages.

Designing risk management programs for my clients is the perfect convergence of hard data and creative thinking. My depth of insurance knowledge, finance background and collaborative nature allows me to create impenetrable insurance strategies, always acting with the utmost confidentiality and care.

Ms. Jamme is currently a Principal of Newfront Insurance. For over a decade she has been creating both personal and commercial insurance strategies for some of the world’s wealthiest families, inclusive of many listed on the Forbes 400. She has provided insurance advice to CFOs and family offices for real estate investors, tech executives, founders, and venture capitalists. Her discretion and strategic thinking have been some of the most valuable assets added to her partnerships.

Her ability to collaborate with advisory teams — of lawyers, finance professionals, and philanthropic advisors— allows her to architect the most ironclad liability and risk management walls possible, protecting both the wealth and reputation of her clients.

She is an active member of the Private Risk Management Association and CPRIA designated insurance advisor, a regular presenter on topics surrounding art, jewelry and car collection management and has authored several articles on the latest risk management and insurance trends.

Ms. Jamme is an honors graduate of Notre Dame de Namur, majoring in Business with an emphasis in finance and economics, an ambassador for the American Cancer Society ResearcHERS and sits on the Agent Advisory Council for Hagerty the leading collector car insurance provider.

Sheri specializes in providing risk management and insurance advice to CFOs and family offices for real estate investors, tech executives, founders, and venture capitalists.

I partner with my clients to help develop a robust insurance program which not only provides the best pricing but brings great value by creating ways to reinvest their insurance dollars back into their business. I help my clients to improve their safety culture and risk management processes.

Susan moved to the Bay Area from Southern California over 20 years ago and has been a licensed commercial property and casualty broker since then. She specializes in the hospitality, construction, and manufacturing industries.

She prides herself in being the first person her clients call when it comes to identifying the best risk management practices. She's excited to be a resource that helps them achieve business success.

Hotels, restaurants, contractors and metal fabricators and manufacturers

I work to give my clients a competitive advantage in a less-than-friendly insurance system.

Serge is backed by eight years of insurance experience and a Bachelors in Finance and Marketing from CSUS. He's passionate about partnering with clients across all industries to help them develop insurance programs that serve to actualize their business goals. 

His professional ethos is grounded on the belief that when you do what's right by the people you serve, the rest follows. 

He enjoys an earnest chat with a friend, particularly when the subject is about cars (as he's an avid fan) or when life stories and lessons are shared.

https://www.linkedin.com/in/sergevorobets

Short and Long term cost efficiencies, ExMod reduction, insurance consulting, specialty programs.

I partner with my clients by providing thorough and honest advocacy. Together, we build an insurance portfolio that protects them from the risks inherent to their industry and helps them grow their businesses.

As a is a third-generation insurance broker with over 10 years of experience, Spenser is dedicated to his practice and always puts his clients first.

He’s committed to partnering with his clients for the long term, managing and adapting their portfolios as their needs change, and solving their tough insurance problems when they arise. With Newfront’s technology that creates efficiencies, he’s pleased that he can spend even more time focusing on his clients’ needs rather than on the paperwork. Likewise, his clients can spend more time focusing on growing their businesses, rather than worrying about their insurance.

Spenser is a member of multiple professional associations, local to Orange County, Calfornia and national in scope. In this capacity, he stays on the pulse of industry trends that affect the clients he serves.

https://www.instagram.com/spensernewfrontinsurance/

https://www.linkedin.com/in/spenser-h-lauro-ab495866/

Architects & Engineers Attorneys & Law Firms Technology

My eagle eye for details is what helps me identify a policy’s coverage gaps before they turn into problems for clients. I always put my clients first and operate as if my clients are family.

Jennifer is passionate about all things personal risk management. As a Los Angeles-based insurance broker with more than 15 years of experience, she's focused on family offices and business management. 

Having worked at multiple brokerages, she's keenly aware of the best practices and limitations of the insurance industry. Jennifer brings this know-how to the Newfront team, and she's tenacious about providing exceptional service powered by meaningful technology.

Her advocacy is deep and arrayed. From single-family homes and Bel-Air estates to personal vehicles and car collections, there are few risk management challenges that she hasn't encountered. She's always up for the next challenge.

Family Office/Business Management, High Net Worth Personal Lines, Small to Mid - Size Commercial Insurance

My passion is for my clients. I want to be a part of their mission. If I can contribute to that by helping them build strategically placed benefits programs, then I’ve achieved personal success.

Kaveh is dedicated to building lasting and authentic relationships with his clients. He takes pride in helping them navigate the complexities of insurance so they have quantifiable success in achieving their benefit program goals. 

He has deep roots in employee benefits. Previous to Newfront, Kaveh was an Employee Benefits Consultant at ProCo Insurance Services, Paychex, and Insphere Insurance Solutions. He’s been lockstep with healthcare’s evolution for over a decade and possesses the wisdom, talent, and drive to create benefits programs that respond to the demands of the future. 

For Kaveh, health insurance is personal. Having grown up in Canada, he understands firsthand how affordable healthcare makes a difference in people’s lives. It affects their well-being on the deepest levels. Kaveh is driven to help employers achieve success by building employee programs that are aligned with their business and organizational objectives and that also help people--their employees--live healthier, happier lives. 

https://www.linkedin.com/in/kaveh-karimian-4ab01615/

Targeted Employee Benefit Solutions for All Employers

I’m passionate about forming trusting relationships with my clients, where we can sit together at the table, and, through open discussions, build an employee benefits program that supports their organizational objectives.

Emily is a dedicated employee benefits enthusiast who isn’t afraid to make bold, smart moves. She joined Newfront to be part of a movement that’s making the insurance experience better--one that brings the industry into the 21st century. In leading Newfront’s Employee Benefits growth and account management goals, she’s committed to delivering best-in-class service to every client. She meets them on their terms while combining industry best practices with technology and innovation.

For Emily, a successful benefits plan must not only be fully compliant with regulations and attract and retain top talent through cost-effective solutions, but it must also align with the company’s organizational objectives and risk management plan. This long-game strategy harnesses the power of other Newfront brokers who have a keen understanding of benefits and property and casualty solutions. Together, they provide end-to-end consultancy for risk management that’s streamlined and comprehensive.

https://www.linkedin.com/in/emily-sugars-8797a8a

Benefits Administration Technology, Compliance Support, Comprehensive Medical Coverage Solutions, and Customized Employee Communications.

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