Skip grew up in Central California and began working for his local Auto Club in 1999. He gradually became a top performing captive insurance agent, earning the distinguished President’s Circle of Excellence award for 17 consecutive years. As the California insurance market changed, Skip was authorized to work with other insurance companies outside his captive contract and found a significant value in providing this type of service to his clients without the limitations of the Auto Club. Skip decided that being able to offer more options to his customers provides the best service and empowers the client to make smarter decisions. Skip decided to retire from the Auto Club and opened Smart Coverage Insurance Solutions and now has the opportunity to provide more options to a growing and changing insurance market.