I am an Independent commercial insurance broker focused on helping business owners with their risk management program. My goal is to provide each client with a comprehensive insurance program, tailored to their needs, including the right coverage at the most competitive rates.

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

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.

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.

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.

forrest.wittenmeier@newfrontinsurance.com

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.

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 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 naturally competitive person and we’re on the same team. I’ll never pressure you with a hard sell and I do the extra legwork to make sure you have comprehensive insurance options that work for you and your business.

Based in Southern California, Tage Peterson has mastered a range of specialties over his 16-year insurance career—technology, medicine, and construction included. From an early age, Tage has had a passion for technology and mathematics and enjoys delving into the complexities of his clients’ businesses in order to ensure their risks are properly covered.

When selling insurance, Tage puts himself in his clients’ shoes and lays out options that will help them grow their businesses. He’s happiest when clients remark that for the first time ever when buying insurance, they finally understand exactly what they’re paying for.

Tage is a former world-class athlete and divides his free time among coaching youth and playing as many sports as possible—including basketball, football, soccer, track & field, muay thai, target shooting, and snowboarding.

Tage offers commercial insurance to tech companies, medical offices, contractors, hospitality ventures, and real estate developers and owners.

I fight the "big, bad" insurance companies to make sure my clients get the best pricing available, great coverage, and claims paid fairly and on time.

Real Estate Investors; Apartments, Commercial, Single Family Portfolios Fleet Services; Waste Hauling, Oilfield, Industrial Heavy Commercial and Industrial

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.

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.

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’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.

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.

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.

Im obsessed about personally providing detailed account service.

Tim's been identifying risk management and insurance solutions for clients for over twenty years, from personal lines to non-profits and manufacturing. However, his passion is commercial real estate, having worked in this sector his entire career. His real estate clients trust him for his comprehensive understanding of industry trends and exposures. And his lasting relationships with carriers enable him to negotiate the most effective and competitively priced coverages.

Tim likes to help his clients realize that insurance is more than just a requirement forced upon them. Many valuable coverages are a choice, not a mandate. He helps them reframe how they perceive insurance, so they see insurance as a tool for building the foundation of a sound financial plan that protects their assets.

25 years of insurance experience specializing in commercial property. I help large apartment owners modernize their insurance portfolios.

I've been a licensed insurance agent for over 25 years. I obtained my Commercial Lines Coverage Specialist (CLCS) and Professional Workers Compensation Advisor (PWCA) designations to further my insurance expertise and am pursuing my Certified Insurance Counselor (CIC) designation.

My business partner Joe Naworski and I specialize in market rate apartments from California to Texas. We focus on office and industrial buildings and have experience in Tax Credit Housing all across the country. Additionally, we insure several farmers in the San Joaquin Valley.

Market Rate Apartments, Tax Credit Affordable Housing, Course of Construction Insurance

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 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'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/

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.)

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.

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

With over 40 years of insurance experience specializing in commercial property, I help large apartment owners modernize their insurance portfolios.

Joe began his career in the insurance industry at a young age through his family’s insurance business. He views his role with his clients as consultative rather than transactional. His clients come to him for insurance and risk management advice like they would to their CPA or their attorney for financial or legal concerns.

Joe has built a powerhouse partnership with his friend and colleague Kent Short. Specializing in market-rate apartments from California to Texas, they focus on office and industrial buildings and have deep experience in tax credit housing all across the country. Additionally, they help insure several farmers in the San Joaquin Valley.

Income properties including apartments, shopping centers, office buildings, and light industrial

The smartest first step in insuring your portfolio is lowering your overall exposure to risk, and we can help through a variety of programs—from making incremental building maintenance improvements to making sure your tenants are properly vetted. 

We’ll help protect you from environmental damage liabilities that could arise if a building system breaks or construction project goes awry. And never assume you’re covered for a natural disaster; omitting key riders for certain weather events can cost you. 

Catastrophe Insurance Insights for Commercial Properties

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You keep roofs over our heads, whether you have a localized suite of rental houses, a large commercial building portfolio, or are developing affordable housing. But depending on your operations, your risks vary widely.

Popular lines of coverage to protect your business

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Commercial Property

Controlled Insurance Programs (OCIP/CCIP)

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Keane Heller

I work with property owners, developers, and hospitality businesses to identify their risks and design best-in-class solutions to protect their assets. Getting to know and understand my clients’ needs is what I enjoy most. I work hard to ensure they are properly represented to the myriad of insurance companies who partner with our brokerage.

Risk management

Ranging from regulatory compliance with fair housing laws to adequate vetting of commercial and residential tenants

Environmental liability

Among many exposures to environmental risks, construction projects can cause problems you may be liable for 

Catastrophic natural disasters

Building design, probability of occurrence, and more determine your need and eligibility

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— ‍

Real ‍
Estate ‍

Insurance for the Real Estate Industry

Risk management

Environmental liability

Catastrophic natural disasters

Popular lines of coverage to protect your business

General Liability

Commercial Property

Controlled Insurance Programs (OCIP/CCIP)

Employment Practices

Environmental Liability

Subcontractor Default Insurance

Meet some of our brokers

Jake Billingsley

Sheri Jamme

Forrest Wittenmeier

Tuan Do

Rick Monetta

Tage Peterson

Billy Bray

Steve DeCristofaro

Eric Anderberg

Ted Gingrich

David Jeranko

Paul Huang

Krishna Patel

Tim Carruth

Kent Short

Pete Johnson

Steve McCaw

Mike Daoussis

Keane Heller

Byron Ross

Christian Smith

Joe Naworski

Latest article

Catastrophe Insurance Insights for Commercial Properties

Our industry practice groups

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Insurance for the Real Estate Industry

Risk management

Environmental liability

Catastrophic natural disasters

Popular lines of coverage to protect your business

General Liability

Commercial Property

Controlled Insurance Programs (OCIP/CCIP)

Employment Practices

Environmental Liability

Subcontractor Default Insurance

Meet some of our brokers

Jake Billingsley

Sheri Jamme

Forrest Wittenmeier

Tuan Do

Rick Monetta

Tage Peterson

Billy Bray

Steve DeCristofaro

Eric Anderberg

Ted Gingrich

David Jeranko

Paul Huang

Krishna Patel

Tim Carruth

Kent Short

Pete Johnson

Steve McCaw

Mike Daoussis

Keane Heller

Byron Ross

Christian Smith

Joe Naworski

Latest article

Catastrophe Insurance Insights for Commercial Properties

Our industry practice groups

For ‍
businesses— ‍

Real ‍
Estate ‍