Founder & President
Vice President
Senior Account Manager
COO/CFO
Founder & President
Steve has 40+ years experience in the insurance industry, having started his career in his father’s insurance agency as a 3rd generation broker. Stephen opened his firm in 1996 after working for local, regional and national insurance brokers.
30+ years of working with trust fund clients and 25+ years with labor unions and employer organizations.
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Publications:
Active member and past officer of CPCU Society (President Northern California Chapter, National Director) and is Past President of the Western Association of Insurance Brokers
Adjunct Professor, Golden Gate University – insurance and risk management course
Graduated with honors, UC Berkeley and served two years active duty in the US Army Intelligence Corps
Vice President
Rich joined the firm in 2008 to become the fourth generation of insurance brokers in the Horn family. His 13+ years of experience managing our book of business has built relationships with insurers that enable us to get the best coverage and premiums for our clients. Richard has deep expertise in Fiduciary liability and Cyber Insurance.
Previous experience:
Senior Account Manager
Julie joined the firm in 2022 and with a breath of Commercial insurance experience working for other small commercial brokers like Horn Insurance.
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COO/CFO
In the Horn family insurance tradition, Debby worked at the firm as a Senior Account Executive from 2003-2006 but left to pursue her career as a Marketing consultant. Returned to firm management in 2019.
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