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Meet Our Team of Experts

  • Irene Herman

    President and CEO
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Irene has been in the insurance industry for 30+ years and has earned the designation of Chartered Property Casualty Underwriter (CPCU). She is also a Real Estate Broker and Notary Public. Prior to insurance, Irene was a physical education teacher and coach at South San Francisco High School. She maintains her involvement in physical education through teaching aqua fitness, volunteering as a master official for long distance running and track and field, and participating as a competitive master runner on the Impala Racing Team. She is Vice President of the Pacific Associate of Track and Field, a non-profit organization of over 7,000 members. Irene is passionate about promoting fitness in people of all ages.

  • Geoff Herman

    Vice President
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Geoff is a commercial lines expert and one of his specialties is finding coverage for hard to place risks. When he’s not in the office, you can probably find him on a golf course somewhere in the Bay Area or in the gym trying to keep fit. He loves Latin Jazz music, traveling, and taking vacations that combine sun, surf and of course, golf. Geoff travels to NJ as often as possible to visit his daughter and 4 grandkids and to Manhattan to visit his brother and family.

  • Kelson Herman

    Personal Lines Manager
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Kelson has a background in Real-Estate, DVD and Blu-Ray programming. His interests fall into a multitude of categories from technology and the film industry to sports and baking. He enjoys running, bbqing, baking bread, and supporting our local sports teams.

  • Christine Kao

    Commercial Lines Manager
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Before joining the insurance industry, Christine worked in post production and television (CBS). She likes to keep up to date with film and television as well as technology. Outside of work, she loves trying new restaurants, sitting by the beach with a good book, hosting a good meal, and spending time with family.

  • Christian Herman

    Commercial Lines Producer
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Christian has over 15 years of past experience in the hospitality and culinary industry.  He now focuses on small commercial business with an expertise in restaurant and food related industries.  Christian enjoys cheering on the Giants and Warriors, cooking for friends and family and taking care of his fresh water fish aquarium.

  • Matt Gray

    ARM All Lines
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    I handle all lines of insurance as a producer in an established independent retail agency. My clients span the entire state of California. I act as a consultant; the focus is suitable insurance solutions for my clients’ risks. My expertise is with contractors, restaurant owners, nonprofit organizations, technology and managerial consultants, yoga and fitness instructors, home-based businesses and hard to place risks. I have been working directly with business owners for more than 20 years.

  • Iris Chang

    Personal Lines Producer
    Office: 415-202-6869
    Fax: 415-447-4181
    422 Presidio Ave.
    San Francisco CA 94115
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    Iris has been with the agency for more than 9 years producing customized insurance solutions for clients based on their needs. In addition to work, Iris also has a passion in practicing yoga and meditation. When she is not busy servicing her clients, you will find her teaching basic yoga posts and meditation to her friends and relatives.