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

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/

Jake is a proactive and trusted strategic advisor to his commercial insurance clients.  He actively works to develop comprehensive insurance programs for his clients by focusing on industry-relevant risk management techniques, ultimately reducing their overall risk and maximizing ROI.

https://www.facebook.com/jake.billingsley.52

Since graduating from UCSB in 2004, Jake has been an independent commercial broker representing and partnering with commercial clients on their specific needs.  After 8 years in the commercial real estate industry, he transitioned to commercial insurance and has been advising clients on their property and casualty insurance programs since 2012.  

Jake is a Bay Area native who spent the first six years of his insurance career working for two independent family owned insurance agencies.  Since joining Newfront in 2019, Jake has been a vital member of the Newfront Agribusiness Team, with a focus on the unique and emerging Cannabis industry.  Jake and the team continue to add tremendous value to their clients by bringing proven risk management techniques to both new and existing businesses, including but not limited to the implementation of their proprietary Safety Management System (SMS).  

Jake resides in the East Bay with his wife Katie and their very busy four children.  In his spare time he enjoys watching his kids play sports, golf, and waterfowl hunting. 

https://www.linkedin.com/in/jake-billingsley-61b1434

Specializing in commercial property & casualty insurance with a focus on commercial real estate, construction, and workers compensation.

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

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/

For ‍
‍businesses— ‍

Risk ‍
management ‍
‍that ‍
‍works ‍
‍for ‍
you. ‍

Complete services for commercial clients:

Risk Identification and Analysis

Program Design, Negotiation, and Placement

Risk Management and Loss Control

Ongoing Service Commitment

Industry-leading technology

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Fill out applications online—your answers carry over year to year

View and make payments

Request and access certificates in minutes

Manage locations, vehicles, and drivers

Track claims status

New standards in service

We serve thousands of organizations across the United States.

Meet our business insurance experts

Spenser Lauro

Michael Sinatra, MLIS

Jake Billingsley

Debra Scalice

Ted Gingrich

Nick Pedisich

Brian King

Latest articles

How to Win a Workers' Compensation Audit

Positioning Cannabis Operators for Success: Closing Gaps in Insurance Coverage

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