After leading Zenefits’ P&C Division for 3 years, I joined Newfront to continue building technology that streamlines the P&C brokerage’s internal operations and simplifies initial purchase and renewals.

https://www.facebook.com/forrest.wittenmeier

As a Commercial Property & Casualty broker, my experience customizing risk management strategies for companies at every stage - from initial funding through acquisition - has made me a trusted partner to VC’s, entrepreneurs, C-level execs, general counsels, HR consultants, financial advisers, attorneys, accountants, and commercial real estate brokers.

After graduating from a top university in Switzerland and consuming many pounds of chocolate, I dove into the forever changing world of insurance. I work with property owners, developers, and hospitality businesses to identify their risks and design best-in-class solutions to protect their assets.

Keane was born and raised in the Bay Area and graduated from a renowned university in Switzerland. Travel is his passion: He's been to over 20 countries, learning from the perspectives and wisdom shared by the people he's lived with and met along the way.

Keane and his team primarily serve property owners and developers, homeowner’s associations, and hospitality businesses (hotels, restaurants, bars, taverns, nightclubs, etc.), and coordinate with insurance companies and third-party resources to create risk mitigation and work safety programs.

Getting to know and understand his clients’ needs is what he enjoys most. Keane works hard to ensure that all his clients are adequately represented to the myriad of insurance companies who partner with Newfront.

https://www.linkedin.com/in/keane-heller-06b7964b

Property Owners and developers, Homeowner’s Associations, and Hospitality Businesses (hotels, restaurants, bars, taverns, nightclubs, etc.)

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.

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 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/

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/

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.

I am passionate about the strong trusting relationship I share with my clients. It is my goal to strategically meet my client's needs for their health program, and also to partner with them in a way that creates value for their business. My clients can always count on my responsiveness, availability, creativity and willingness to exceed expectations. 

Nichole possesses strong roots in the insurance industry as well as the Central Valley of California. Nichole attained her insurance expertise by starting in the service department of her prior firm where she spent 14 years in various vertical roles. Through this tenure she developed a deep understanding of employee benefits programs and has a sense of practicality when crafting programs for her clients. With Nichole's first-rate ability to communicate employee benefits plans to executives and team members alike, along with the tech enablement advantage proprietary to Newfront Insurance, she provides a top notch experience to each interaction she shares with her dedicated clients. 

Other than the joys employee benefits bring to Nichole's life, she enjoys spending time with her family, and most recently niece and nephew. You will often find Nichole lending a hand to her community via non-profit organizations including the Phi Gamma Chapter of Omega Nu where she currently sits on her third term as Secretary. Her passions extend beyond family, friends, and community to world travel, a great glass of red wine and as much time as possible spent at the coast! 

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

Agriculture, Healthcare, Construction, Non-Profits

I am passionate about developing innovative, effective employee benefit solutions for my clients.  My drive and purpose begins and ends with being a trusted business partner to my clients and colleagues.

Joe is a diligent, focused broker who has a passion for building strong client relationships based on trust, transparency and active communication to deliver the best possible solutions.  His focus involves working with employer groups, with an emphasis on alternative funding, regulatory compliance, HR solutions, contribution methodology and overall strategic benefits planning. 

Joe is a proud University of Oregon Duck and All-American golfer who still likes to test his game against the top amateurs. These days, however, when not geeking out on benefits, you will find Joe spending time with his wife and young daughter.

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

I'm always available to my clients, night and day. They stick with me because I take a personal interest in their businesses, and I work hard to learn and grow with them.

After a short stint in law, Pete Johnson launched his insurance career in the claims department of The Hartford in Denver in 1993. Though processing claims wasn't his dream career, the experience taught Pete how much the details matter in insurance. Following a side project in tech in the late 1990s, Pete moved to San Francisco without knowing a soul, and built a thriving commercial insurance business, one new friend at a time.

Through his wife, an architect, Pete developed relationships with contractors, designers, architects, and realtors, which still today form the bulk of his business. Among his clients, Pete is famous for being an early riser; he's known to be at his desk and working by 5:00 am most mornings.

With 25 years of insurance experience under his belt, Pete joined Newfront in 2019, compelled by the company's vision of being the brokerage of the future.

https://www.linkedin.com/in/pete-johnson-72aaa5/

Pete's commercial insurance specialties include real estate, construction, architecture and interiors, non-profits, food distribution, light manufacturing and workers compensation premium recovery. He also provides personal coverage for high net worth individuals.

I am a charismatic and trustworthy person that isn’t afraid to lay a problem out how it is. I have an uncanny ability to solve problems which is why I have gravitated towards insurance. I believe that by being upfront with my clients about where problems could occur and being able to find solutions for them has allowed me to build strong relationships. I am continuously learning and enjoy the ability of being exposed to a variety of industries and having access to various resources. I am adamant in ensuring that I get the most for my clients. 

Jordan has been in insurance since 2016 and started out as a direct writer. After two years, he decided that in order to provide the best service possible for his clients he would need to be able to penetrate different markets. He moved to the brokerage side in order to focus on the Oil & Gas and Agriculture industries. 

Currently based in Fresno, California, Jordan has built a large network within Central California and Texas. A strength of his has been the ability to get in front of people by taking the extra step to seeing clients face to face. He’s followed the philosophy “ You cannot be eye to eye with anyone if you haven’t met them face to face.” The importance of being a resource for his clients goes further than selling insurance; he has the ability to have an impact on the inner workings of a business from a risk management and insurance perspective.  

Jordan is a family man. A loving husband of 5 years with 2 little boys and another on the way. Outside of work, he spends most of his time making memories with his family. They spend a lot of time traveling especially around the Central Coast and Maui from time to time. He plays more golf than he should, and goes snowboarding during the winter. 

https://www.linkedin.com/in/jordan-holland-47895598/

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 pride myself on finding the best price and coverage for my clients while being extremely responsive and involved in the entire insurance cycle.

Brett possesses more than 10 years of insurance experience as a commercial insurance broker and is a two-time recipient of the "Producer of the Year" award. His clients include national and international businesses of all sizes. He's committed to helping them structure and improve their current insurance programs to effectively drive down costs and mitigate risks. That way, they can focus on growing their businesses.

A California native and lifelong resident, he currently lives in Redondo Beach with his wife and two daughters. Soaring to 6'5" in height, it may not be surprising that he played basketball while attending the University of California, Davis. When he's not advocating for his clients or spending time with his family, he still tries to get in some hoops.

https://www.linkedin.com/in/brett-lantz-7238142/

Manufacturers, Non Profit, Hospitality, and Food and Beverage among others.

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 a partner to my clients throughout the plan year--from identifying competitive employee benefit solutions to helping to resolve their ongoing daily needs. My clients know I’m just a phone call away, but more importantly, they don’t hesitate to call when they need me. 

Greg has a long history as a consulting professional, providing solutions to his clients that drive their success. Ultimately, the marriage of consulting and helping people live healthier lives, called him to the world of employee benefits, and he’s been a devoted benefits enthusiast ever since. 

Based in Orange County, California, Greg has extensive experience providing competitive employee benefits solutions for life sciences and technology companies. Regardless of the industry, he understands marketplace trends and stays on top of federal and local regulations. His sophisticated insight of the employee benefits landscape helps businesses recruit and retain top talent while focusing on bottom line profitability. 

A devoted dad, Greg is his daughter’s number one fan at all her soccer games. He is also athletic by nature, and was a football player on college. And while he once took part in Olympic weightlifting competitions, today he enjoys competing with himself. He says that to get to a higher weight in barbelling, it’s all about technique, form, and patience.

https://www.linkedin.com/in/greg-garand-mba-25b5ab6/

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.

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 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

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

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

I enjoy consulting with my clients to solve their business challenges from an insurance perspective and beyond. Over time, I become a trusted member of my clients’ business teams by putting their interests first.

Based in Pasadena with clients throughout California, producer Paul Huang has over 16 years of insurance experience serving business owners in manufacturing, import wholesale, professional services, and commercial and multi-unit residential real estate. He also offers trade credit insurance, a specialty coverage for accounts receivables.

Paul holds a Chartered Property Casualty Underwriter designation, a rigorous educational certification which enables him to craft especially creative insurance programs for clients and negotiate more aggressively with underwriters on clients' behalves. He also has a degree in Business Economics from UCLA.

Paul spends his free time with his wife and two daughters, often traveling as a family. When he can, Paul enjoys high-performance driving on race tracks in Southern California.

Paul's commercial insurance specialties include manufacturing, import wholesale, professional services, and real estate.

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’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/

A goal-oriented client advocate with an emphasis on technical product knowledge, Adam takes a proactive approach to the changing needs of clients, wholesalers, and underwriters.  Adam’s deep expertise in legal contracts and his hand-on approach result in the most comprehensive coverage at the best price point.  With especially deep focus on the construction industry and related fields, Adam is laser-focused on the safety of your employees and your bottom line.

Adam specializes in complex casualty exposure in the construction and manufacturing industries.

With over 15 years of experience in commercial and residential middle market insurance, Adam is an industry leader in complex casualty exposure in the Construction and Manufacturing industries. Adam developed much of this experience earlier in his career at a small, construction-focused boutique firm in Southern CA. During his time there he self educated in policy form, construction law and contract review.  Adam has earned two construction related designations (CRIS, CCIP) and overseen or analyzed the placement of thousands of projects, exceeding over $2,000,000,000 in total construction cost. Adam’s life is his family- a beautiful wife, four sons and the family dog. His household can be rambunctious but is characterized by joy and energy. Adam enjoys road and mountain biking and golf in his spare time in addition to unwinding with a fine bottle of French wine and making homemade pizza in his outdoor wood-fired pizza oven.

https://www.linkedin.com/in/adam-w-gabler-ccip-cris-65891017/

Construction, Residential Real Estate, Manufacturing

San Diego-based insurance broker focused on delivering best-in-class solutions and service to clients by leveraging experience, technology, and the collective wisdom of my partners.

San Diego native focused on working in close partnership with clients to proactively manage risk, take advantage of market opportunities, and address unique coverage needs in dynamic business environments.

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

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.

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.

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’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 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/

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

Based in Los Angeles, I specialize in program design and risk management for businesses in the real estate development/management, hospitality, entertainment, and contracting sectors.

Christian has over 12 years of experience in the insurance industry spanning across various sectors of expertise. He works closely with his clients to deliver the most efficient insurance programs so they may focus their time and energy on growing their businesses. 

Christian has experience in all facets of insurance from underwriting to program design across many different industries including property developers, market-rate and affordable housing, hospitality, nonprofits, entertainment, contractors, auto dealers, and oil haulers.

Property Developers/Managers, Hospitality, Entertainment, Construction

I'm passionate about creating exceptional and innovative insurance programs in service to my clients.

Mike is an experienced through leader in the insurance industry with a demonstrated history of negotiating exceptional risk management and insurance solutions for his clients. He is exceptionally skilled in negotiation, property & casualty insurance, and accounting. 

Mike earned an MBA from  the University of California, Los Angeles.

https://www.linkedin.com/in/michael-daoussis-80321251/

My strength is helping businesses succeed by managing their risk and mitigating their claims. I intentionally focus on high risk industries in order to free the business to focus on its core competency while I focus on mine—risk management. I’m passionate about building lasting relationships with my clients and seeing them prosper. My client are very dear to me, and I am always finding ways to connect with each of them on a deeper level. Ultimately, I take pride in my clients’ success and want to provide a holistic insurance-solution across all lines.

At a young age, Shantelle entered the insurance industry as a telemarketer, where she built her resilience and persistence to succeed. She worked her way through college while she was studying Business Management at California State University- Northridge and successfully received her degree. Cold calling her way through school led her to the decision of becoming a producer where she focuses on high risk industries.

Based in Los Angeles, California, Shantelle provides a very strong focus on risk management which has allowed her to advise clients with creative solutions to mitigating their exposures to claims. With 8 years of Insurance experience, she understands high risk industries and leans towards Construction, Agriculture, Transportation and Janitorial companies where she provides sophisticated and unique solutions for companies to avoid areas of risk. She always looks out for the client’s best interest using her holistic approach to insurance as a whole.  

Family is one of her main priorities and she spends any free time she has being with her parents, siblings and nieces/nephews. She was married in 2018 and her and her husband enjoy traveling the world together. Always on the search for the next country to visit next, her favorite destinations have been Japan, Israel, Bali and Australia thus far. Along with that she loves being outdoors and in nature through hiking and camping with friends and family.

https://www.linkedin.com/in/shantelle-cabir-68755ba3/

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.

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 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'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/

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