Bob started his insurance career in 1982 and works with business clients in developing comprehensive insurance programs that fit with each of their unique risk tolerance. From new start-up businesses to mature companies, Bob works to align insurance premiums with their budgetary needs while explaining and educating clients on products to help reduce their risk profile. He enjoys working with all types of companies, including providing his expertise to start-ups looking for budget-conscious solutions in the early years and educating owners and management on their needs as a company grows. Bob grew up in Southern California, attended college at CSU Chico, and worked in banking for four years before joining the insurance industry. He is married with two children and enjoys refereeing soccer for AYSO. He is also a lifelong snow skier, which he enjoys.