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

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.)

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.

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.

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

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.

With a broad spectrum of business know-how, I go to bat for all my clients and find them the best coverage and price.

Insurance runs in Marisa's family. Her father and grandfather were both agents and believed she'd excel at it. However, she needed to figure that out for herself.

Before delving into the world of insurance, she worked in marketing and advertising for brands such as Old Navy, Adidas, and Hilton. She also started and ran a garden design business. Her goal was to make the world a better, greener, and more beautiful place.

She eventually turned her sights to the insurance industry. Previous to Newfront, she worked for 6 years at a Bay Area agency helping clients large and small secure the best auto, home, life, health, and business insurance coverage available.

Marisa is passionate about being a part of Newfront's vision and the way it's making insurance better. While the insurance industry resists change, progress is inevitable. Newfront helps eliminate tedious application and renewal paperwork. She's thrilled to be a part of this modern company and a progressive movement in this industry.

https://www.linkedin.com/in/marisa-k-bradley-5347b3/

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 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.

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’m honored to have personal relationships with my clients. And I’ll never stop working for their businesses.

Byron's advocacy to his clients includes setting up intentional risk management strategies before going to market. That way, their businesses are placed in the most favorable light and they are able to secure the most competitive coverages. He's passionate about helping his clients keep their properties and human capital protected from risks.

As a member of Newfront’s steering committee, he's focused on helping the firm innovate technology solutions that are in service to his clients. His goal is to make sure Newfront meets its clients on their terms. In advocating for his clients, he's committed to assuring that our systems align with how they’d like to experience their insurance.

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

Byron provides commercial insurance for the manufacturing, hospitality, and building maintenance industries.

Protecting your company and it’s executives from today’s lawsuits and losses.

https://www.linkedin.com/in/eric-anderberg

Franchising, Restaurants, Food, and Real Estate.

I'm a Navy veteran turned insurance professional with over 40 years of experience and a broad range of specializations.

After being commissioned by the United States Navy, Tom was attached to the USS Okinawa and had three tours in Vietnam. He was also charged with the U.S. Navy recovery operation of Apollo 15. Later, he joined his father’s insurance agency in Santa Cruz and soon became president, growing the agency from 3 to over 28 people while being licensed in 23 states.

In 1980, the firm built an employee benefits department, earning the distinction of being the first agency in the area to have one. In 1985, he took the agency into the digital age with their first computers. In 1992, he purchased laptops and portable printers for all of the salespeople. He fought for progress in the insurance industry, was an expert witness in fair claims handling and standard of care, and was instrumental in mandating continued education for insurance agents and brokers for the state of California. Additionally, he's served on numerous insurance company advisory boards and participated in designing and scripting programs for specific industries. 

After many years of management, he sold the agency and joined an agency in Fremont, where he stayed for the next 12 years. Many of my clients followed his journey and have maintained him as their insurance advocate for over 30 years.

When he accepted a principal role at Newfront, something he had dreamed about for years had come to life: transformative technology in insurance! He's proud to be part of a movement that's streamlining the industry and making it easier for the client to understand and access their portfolio.

https://www.linkedin.com/in/thomas-kelly-4467364

Radio Broadcasters Insurance, Entertainment and Recording Industry Insurance, Construction Insurance, Cement and Plastering Contractors Insurance Programs including EIFS, Bonding, Quarries, Crane Operators, Wineries, Bars and Taverns, Family and Fine Dining Restaurants, Golf Courses, Manufacturing, Banking and Financial Institutions, Ocean Marine, Building Material Dealers, all forms of Property Insurance, Directors and Officers, Employment Practice, Nonprofits, Medical Malpractice, Professional Liability, Homeowners, Personal Auto, Farming, Inland Marine, Wholesale Distributors, Beer Distributors, International Risk, Aircraft, Watercraft, Shipping, Municipalities, Shopping Centers, Strip Malls and Cyber.

I understand the importance of getting things done quickly and correctly, and that resonates strongly with my clients. I also take special care to explain the details of each business's unique risk, so my clients are well-informed when making decisions.

https://www.facebook.com/steve.decristofaro

With 22 years of insurance experience serving clients in Northern California, Steve DeCristofaro provides commercial coverage to the construction, hospitality, and commercial property industries. Steve launched his insurance career as an underwriter, and after earning an early education in risk management he opted to start advising clients directly as a broker.

Steve considers himself a business partner to his clients and has made every effort over time to understand the day-to-day work of their businesses (he even worked for a painting contractor for some time). He is now an expert in contracts, risk management, and insurance programs for his specialty industries, and takes pride in making himself available to his clients at all hours.

Steve has both a personal and professional interest in psychology and in his free time, he is pursuing a Master of Psychology degree. He is involved in his church and in Sacramento community service projects like helping to provide housing for the homeless. Steve is also an athlete and a percussionist.

https://www.instagram.com/stevedecristofaro/

https://www.linkedin.com/in/steve-decristofaro-27758a6/

Steve's commercial insurance specialties include construction, hospitality, and commercial property.

I go above and beyond to find the most competitive rates available before presenting you with options. I aim to protect your business while saving you money in any way that I can.

Los Angeles native Nicole Guadarrama has 12 years of experience in commercial insurance and sees her job as helping to protect the livelihoods of her small to medium-sized clients in construction, entertainment, and manufacturing. For Nicole, educating clients on their risk exposures is the top priority, so they can focus on running their businesses. Each venture has unique needs, and Nicole thinks designing the right coverage program is work that's hard and rewarding in equal parts.

In addition to Nicole's for-profit clients, she has served LA nonprofits including community theater companies and the Los Angeles Opera. She's a certified Associate in Risk Management and a Construction Risk and Insurance Specialist. Nicole speaks Spanish and loves building long-term, trusting relationships with her Mexican-American clients.

Nicole joined Newfront because she's confident the company's streamlined systems will serve her clients with the ease they're after. Plus, she's never seen so many happy people at an insurance company before.

https://www.linkedin.com/in/nicole-guadarrama-cris-clcs-04b3b358

Nicole's commercial insurance specialties include construction, non-profits, entertainment, and manufacturing.

I represent my clients with a unique blend of market access in a digital platform that focuses on quality and value.

Steve possesses over 20 years of insurance experience that spans multiple specialties and professions, including contractors, agriculture, hospitality, and service industries nationwide. 

A California native living in the Central Valley, Steve is married with 3 children.

https://www.linkedin.com/in/steve-mccaw-b1725b6

All lines of coverage for Specialty (Cellular) Contractors, Farm Labor Contractors, Growers, Restaurants, Property Owners / Builders / Developers, Restaurants, Janitorial Contractors, and Sport Industries.

I've been certified by the food industry, the insurance industry, and insurance carriers to protect your people, your property, your financial statements and your company's reputation.

Raised in the San Joaquin Valley, I've been a National Food & Agribusiness Risk Management Practice Leader for the most successful insurance brokerage firms in the world. My teams and I provide the best traditional insurance broker services with an enterprise risk management plan scaled to perfectly fit your operation. We're able to lower the business insurance spend and add equity to your company. 

Newfront is revolutionizing the insurance industry by focusing on the client experience using cutting edge technology with traditional insurance broker services best practices. I've invested more than money into the people and technology behind the Newfront Insurance Movement. Let's have a conversation about building something better for you.

We’ve placed risk for brands of all sizes, from local coffee shops to international chains, and we stay abreast of the complex industry landscape to keep you protected from all angles. That includes limiting your liability in the event of a client data breach, and covering interruptions in business due to cyber hacks and extortion. 

We also work hard to keep your insurance costs down overall by implementing risk management policies like complimentary contract review and ensuring you’re in compliance with the ADA.

Insurance Considerations for Ghost Kitchens and Virtual Restaurants

Get access to hundreds of insurance carriers

You’re in the business of delivering memorable experiences to your customers. Whether you own a hotel, a restaurant, or a club, your enterprise comes with unique risks and Newfront brokers are ready to help you lower your exposure to the hazards you don’t anticipate.

Popular lines of coverage to protect your business

Cyber/Privacy Liability

Food-borne Illness Liability

Delivery Coverage

General Liability

Employment Practices Liability

Liquor Liability

Susan Groff (Principal, Hospitality)

I moved to the Bay Area from Southern California over 20 years ago and have been a licensed commercial P&C broker since then. I specialize in Hospitality businesses and help my clients improve their safety culture and risk management processes. 

Reece Walker

I've been insuring the San Francisco Bay Area hospitality industry for the last seventeen years. I advise restaurants, taverns, bars, nightclubs, hotels, and cannabis enterprises in the purchase of general liability, products liability, property, workers compensation, employment practices (EPLI), directors and officers (D&O), and professional liability coverage (E&O).

Rick Monetta

I come from a background of owning and operating hospitality businesses, giving me a unique lens into how to work best with my clients. I approach insurance with the perspective of taking away as much risk from the business and transferring it to the insurance carrier for the right price.

Stephanie Moriarty

Over the past decade I’ve built solid relationships among many Bay Area restaurateurs as well as supplier partners in the wine business. I work with alacrity and integrity to take care of my clients to protect their personal and professional assets.

Guest privacy and data security

In the internet age, security breaches happen. Make sure you’re protected in the event of a network security failure

ADA risk management

We’ll help you define and make reasonable accommodations in compliance with the ADA, shielding your margins from unnecessary lawsuits

Lease and contract review

Newfront provides complimentary contract review when you enter into a commercial property lease or any other engagement in which insurance is required. We’ll ensure you don’t get stuck with surprise liabilities 

Sam Byker (CEO, Atticus)

Switching to Newfront was the best risk management decision we’ve ever made. We deal with complex risks across multiple entities, and I was up to my neck in paper forms and mailing handwritten checks. Newfront changed all of that. Now, one broker handles everything, and it's all online!

It's been transformative, Newfront has been able to cut our premiums by over 25%.

Chris Mansi (CEO, VIZ.AI)

Newfront transformed risk management for our company. We work closely with our broker on strategic matters and have access to a powerful platform that allows us to request certs and endorsements, manage 3rd party certs, organize claims, and prefill our renewal applications.

We initially used an online platform and our Newfront broker identified gaps in our coverage.

For ‍
businesses— ‍

Hospitality ‍

Insurance for the Hospitality Industry

Guest privacy and data security

ADA risk management

Lease and contract review

Popular lines of coverage to protect your business

Cyber/Privacy Liability

Food-borne Illness Liability

Delivery Coverage

General Liability

Employment Practices Liability

Liquor Liability

Meet some of our brokers

Susan Groff

Keane Heller

Krishna Patel

Reece Walker

Christian Smith

Mike Hall

Marisa Bradley

Rick Monetta

Angelo Dionisiou

Brett Lantz

Byron Ross

Eric Anderberg

Tom Kelly

Steve DeCristofaro

Nicole Guadarrama

Steve McCaw

Mike Riggs

Latest article

Insurance Considerations for Ghost Kitchens and Virtual Restaurants

Our industry practice groups

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Insurance for the Hospitality Industry

Guest privacy and data security

ADA risk management

Lease and contract review

Popular lines of coverage to protect your business

Cyber/Privacy Liability

Food-borne Illness Liability

Delivery Coverage

General Liability

Employment Practices Liability

Liquor Liability

Meet some of our brokers

Susan Groff

Keane Heller

Krishna Patel

Reece Walker

Christian Smith

Mike Hall

Marisa Bradley

Rick Monetta

Angelo Dionisiou

Brett Lantz

Byron Ross

Eric Anderberg

Tom Kelly

Steve DeCristofaro

Nicole Guadarrama

Steve McCaw

Mike Riggs

Latest article

Insurance Considerations for Ghost Kitchens and Virtual Restaurants

Our industry practice groups

For ‍
businesses— ‍

Hospitality ‍