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Meet Our Team of Experts

Santa Maria & Company (SMC) is a team of experienced risk management advisors, insurance experts, and business consultants dedicated to providing excellent advice and service, cost-effective solutions, and the highest degree of claims advocacy for each of our clients. We are pleased to introduce our team of experts.

  • Carl Santa Maria

    Chairman and CEO
    Office: 925-279-4981
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Carl founded SMC with his son, Craig, in 2001 to help companies manage business risk and protect their assets through expert risk consulting and insurance services. Carl has over 40 years of experience in the financial services industry with specialization in risk management and property and casualty insurance program management and design.

    Over the course of his career he has developed effective solutions for enterprises ranging from Fortune 100 companies to privately held companies, solving problems and designing programs across multiple industries, including financial institutions, energy, real estate, manufacturing, construction, food, retail, technology, and health care.

    Carl began his career with a major stock insurance company where he managed national account underwriting operations in New York and Texas. In 1977 he joined a brokerage in Houston and was admitted to partnership the following year. In 1985 the firm sold to Emett & Chandler, a Los Angeles based public broker, and he was named Executive Vice President of the San Francisco office. He served in that capacity through several acquisitions until he left Aon Risk services to join a large regional firm as president of risk management services. 

    Carl is a Chartered Property Casualty Underwriter (CPCU), has served on numerous industry committees and organization boards and, as a licensed instructor, has taught numerous insurance and risk management courses. 

  • Craig Santa Maria

    President and COO
    Office: 925-279-4982
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    As a founder of SMC, Craig has overseen the growth of the firm since its inception, helping to build the company’s reputation for providing the highest quality of expert service with the greatest integrity. He is responsible for managing relationships with a select group of insurance carriers, the establishment of business relationships with strategic professional advisors and the counseling of the firm's diverse clientele, particularly those in the hospitality, food, assisted living, construction, staffing and  healthcare industries.

     

    Craig has more than 20 years of insurance experience. Prior to founding SMC, he served in executive roles with major insurance carriers, organizing, managing, and marketing to Fortune 1000 companies. Craig is an expert in alternative risk finance, coverage analysis, and designing cash flow programs for clients. He began his career at a large regional insurance carrier, developing an expertise in risk management for liability and Workers’ Compensation issues.

     

    An alumnus of the University of California at Irvine, Craig is a member of several executive groups. He provides expert witness services in connection with complex liability cases, and is often the go-to expert for regional media reporting on risk management topics.

  • Ron Holz

    Vice President
    Office: 925-279-4991
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Ron joined SMC in May 2011 as Vice President. Ron is a highly experienced account executive, managing some of SMC’s largest accounts. He began his career with The Hartford Insurance Group in Manhattan as a commercial lines underwriter. During his time with The Hartford he progressed through their Management Consultant Unit to Assistant Division Manager in Chicago. He also served as branch manager of CNA’s Long Island Branch and later as assistant secretary in charge of a CNA product management and actuarial unit. He came to the Bay Area as vice president and general manager of the Home Insurance Company’s Northern California Region.

     

    Ron is a general liability expert and leverages his strong actuarial, underwriting and risk management experience to provide the best solutions to clients. He holds a Bachelor of Science degree in military engineering from the United States Military Academy at West Point, is a Chartered Property and Casualty Underwriter, and studied risk management through the Insurance Institute of America and insurance management in The College of Insurance MBA program.

  • Pat Hoefling

    Vice President
    Office: 925-279-4995
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Pat joined SMC in February 2017 as Vice President. With a background in customer service management and more than 30 years of experience in the Bay Area insurance industry, she provides the highest level of service to her broad client base.

    She entered the industry in 1986 as a customer service professional and soon advanced into leadership roles with several companies. She joined Insurance Associates in 1993 and served as a partner and Senior Vice President before joining ABD Insurance and Financial Services as Vice President in 2013.

    Pat is a general liability expert and provides the highest level of risk management counsel and service to her customers. She earned the Certified Insurance Counselor (CIC) designation in 1997 and continues to grow her expertise through annual participation in the James K. Ruble Advanced Graduate Studies program through the National Alliance for Insurance Education and Research.

  • Robert Stosick

    Senior Employee Benefits / Life Insurance Program Advisor
    Office: 925-956-7600
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Bob Stosick is an SMC strategic partner, leading the company’s employee benefits and life insurance program. He helps clients navigate the complicated health insurance regulations and provide cost-effective employee benefits, such as health, disability, and life insurance, as well as employee retirement plans. Bob has more than 30 years of experience in business insurance and estate planning, and more than a decade helping Bay Area companies provide excellent employee benefits at lower cost. Bob is a UC Berkeley graduate and is a Certified Life Underwriter (CLU).

  • Randolph Tom

    Chairman Emeritus and Corporate Advisor
    Office: 925-279-4998
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Randolph L. Tom was elected non-executive chairman of SMC in 2009 and was named Chairman Emeritus and Corporate Advisor in 2015.

     

    A certified California insurance broker, he is a candidate for the Certified Property and Casualty Underwriter (CPCU) professional designation. Randy has spoken often at industry and university conferences and has lectured at the graduate school of business at the University of San Francisco and Santa Clara University.

     

    Randy began his career on Wall Street as a securities lawyer with the New York office of Fulbright & Jaworski and was previously the head of the Asia-Pacific practice of a Silicon Valley law firm. Earning his JD, MBA and BS degrees with honors from New York University's joint programs at the age of 23, Randy is admitted to practice law in New York, California, and the District of Columbia (Re'td). A former adjunct law professor in corporate/securities law, Randy is a member of the Executive Advisory Board of the University of San Francisco Center for the Pacific Rim and also served as a board member of Zerodivide.org, a charitable foundation supported by AT&T, the Google and Ford Foundations and other notable institutions.

     

    He also serves as the chairman of Dynasty Capital Services LLC, a strategic and financial advisory service firm. In building Dynasty into one of the country's most prominent corporate development firms, Randy has been extensively involved in advising clients in a variety of industries ranging from semiconductors to information and mobile software applications.

  • Mitchel Frey

    Account Manager
    Office: 925-279-4989
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Mitchel Frey joined SMC in 2016 as an Account Manager. In this role, Mitchel manages accounts across all business insurance lines. A native of Cincinnati, OH, he is a graduate of Nazareth College in upstate New York and has worked in the Bay Area insurance industry since 2012. He holds licenses in Property and Casualty, as well as Life, Health and Accident insurances.

     

    He earned high school and college All-America honors in lacrosse and is the head varsity boys’ lacrosse coach at Campolindo High School in Moraga, CA.

  • Victoria Santa Maria

    Senior Claim Advocate
    Office: 925-980-4384
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Victoria is the lead claims advocate, working closely with clients and the insurance company claims adjusters and attorneys to ensure claims are settled appropriately for clients. She also provides coverage analysis in an effort to trigger coverage.

     

    Victoria graduated with honors from UC Berkeley and Golden Gate University School of Law. At Golden Gate, she was awarded the Am Jur Award for her writing and served as an editor of the Golden Gate Law Review. In her legal practice, she concentrated on complex construction defect cases, with a heavy focus on coverage analysis.

  • Mary Bamford

    Accounting/Operations Manager
    Office: 925-279-4992
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Mary is the Accounting and Operations Manager, responsible for maintaining all finance and accounting functions across the company. She joined SMC in 2009 after more than 15 years of accounting experience from within various facets of the insurance industry. Mary earned her Bachelor of Science degree in Accounting from Notre Dame de Namur University.

  • Katie Edlund

    Associate Account Manager
    Office: 925-279-4983
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Katie has worked in the commercial insurance industry for nearly 20 years. After working as an international insurance broker she joined SMC in 2001. In her role, she assists clients with renewal applications, issues client certificates, and provides support throughout the policy process.

  • Sheryl Edwards

    Associate Account Manager
    Office: 925-279-4984
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Sheryl joined SMC in February of 2014, where she provides the highest level of account support and client service. She began her insurance career in London, England, over 20 years ago, working as an underwriter with Travelers.

  • Sergio Palacios

    Associate Customer Service Representative
    Office: 925-279-4990
    Fax: 925-956-7601
    1550 Parkside Drive, Suite 200
    Walnut Creek CA 94596
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    Sergio joined SMC in March 2017 and provides support for the SMC team and clients while he earns his Property and Casualty license. A native of the East Bay, Sergio earned a B.A. in economics from the University of Oregon. Prior to joining SMC, he worked as a data analyst in the health care and sports industries, and he has lived in Mexico city.