Executive Leadership

A native of San Diego and a graduate of San Diego State University, Bill began his insurance career at a local Insurance Agency in 1997. Throughout his career, Bill has continued to focus his efforts on designing insurance placements and risk control programs for Middle Market companies within the Real Estate, Construction and Healthcare industries. Bill is also involved in various trade and community organizations including the AGC, ASA, NCSHA, SDSU Alumni Association and The East County Posse. When not working or volunteering, Bill enjoys spending time with his wife and two daughters.

• Design and placement of property/casualty and workers’ compensation programs for middle market companies across the country.
• Agency Management & Ownership
• Real Estate, Construction, and Non-Profit Expertise
• Complex Habitational Placements for Market Rate and LIHTC owners/developers
• Claims Advocate
• Risk Control/Transfer Programs

Grant grew up in Napa, CA and is a graduate of California State University-Sacramento. Grant began his insurance career in 2005 as a benefits accounts manager assisting businesses of all sizes by structuring their employee benefit plans while also assisting with the overall administration of the plans. Grant joined CMR in 2011 as part of our business development team and has grown into the head of the benefits division and a principal of CMR. Grant continues his success through superior HR support and benefit program design and implementation.

• Specialize in helping mid to large companies create benefits programs tailor made for their employees’ needs and the company’s budget.
• ERISA and ACA Compliance Support
• Human Resources Consultation
• Fringe Benefit Programs
• Construction Industry Health and Welfare Trusts
• Property Management Benefits Expertise
• Employee Wellness Initiatives

Andy joined CMR in 2018 with over 17 years of industry experience as a Broker at Arthur J. Gallagher, G.S. Levine Insurance Service and a small local San Diego Based firm. He graduated from the University of San Diego with a B.S. in Business Administration with an emphasis in Marketing and also holds an Associate in Risk Management (ARM). Andy leads CMR’s Construction Practice Group and was named an agency principal and Vice-President in 2021. His focus is on helping mid to large sized construction, real estate and development firms design insurance placement and risk control strategies. Andy is also involved in various trade associations and community organizations including the AGC, ProVisors, University of San Diego Alumni Association and the San Diego Bowl Game Association Holiday Bowl.

When not working, Andy enjoys spending time with his wife, daughter and son.

• Focused on Construction, Real Estate and Development
• Experienced in contract review, development of in house safety program and claims mitigation strategies within the construction industry
• Created various risk transfer programs including guaranteed cost, high deductible and captive solutions
• Claims Advocate

Kyle joined CMR in 2020 with over 20 years of industry experience as an Underwriter at Travelers Insurance and then as a Surety Agent/Broker at BB&T – John Burnham Insurance Services. He graduated from San Diego State University with a B.A. in Economics and holds an Associate in Fidelity and Surety Bonding, and Construction Risk and Insurance Specialist (CRIS) designation. Kyle leads CMR’s Surety Practice Group and was named an agency Principal and Vice President in 2023. His focus is on helping mid to large sized construction firms with tailored surety programs – appropriate rate, indemnity, and capacity to support the client’s growth. Kyle is also involved in various trade associations and community organizations including the AGC, SDSA, ASA, and SDSU Alumni Association. Kyle is a resident of San Diego where he grew up graduating from Poway High School.
When not working, Kyle enjoys spending time with his wife, daughter and son.

• Focused on Construction, Real Estate and Development surety placement
• Affordable Housing Surety Placement
• Federal Contractors – 8(a), SBA, HUBZone, WBE, SDVOSB, MBE
• Peer Group Financial Analysis

Travis is the founding principal of CMR Risk & Insurance Services, Inc. A graduate of San Diego State University with a B.S. in Marketing and an Associate Degree in Risk Management, Travis has been helping business owners manage their exposure to loss and developing risk control and insurance programs for over 25 years. Travis is actively involved in Low Income Housing Tax Credit Industry and SDSU Alumni Associations.

• Primarily work with real estate firms with $100mm – $2B in insurable value portfolios
• Developed several surety products for the LIHTC industry
• Created several specialty insurance coverage forms for real estate owners
• Experienced in unique exposures of tax credit investments

Born and raised in San Diego, Sandra joined CMR in 2022 and now serves as the Director of Operations. With over 20 years of experience in the insurance industry, she focuses on creating efficiencies, supporting team development, and ensuring smooth day-to-day operations. Sandra is passionate about leadership, strategic planning, and fostering a collaborative work environment. She takes pride in investing in others, providing the guidance and resources they need to grow and succeed professionally. She believes that when people feel supported and empowered, they do their best work, which strengthens the entire team.

Outside of work, Sandra enjoys spending time with her kids, creating memories, and embracing the everyday moments that matter most.