Amy Bach, Executive DirectorAmy Bach has been a professional advocate for insurance consumers (policyholders), since 1984 and an attorney since 1989. A native of Brooklyn, New York residing in San Francisco, she co- founded United Policyholders in 1991. She currently serves as the organization's Executive Director and spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook" and consumer tips and guides in the UP Claim Help Library.
Bach graduated cum laude from Cornell University in 1982 and received her Juris Doctor degree from Hastings College of the Law in 1989. Ms. Bach has performed government service with the New York and California State Legislatures, and the New York State Consumer Protection Board. She served as counsel to a special master overseeing reforms at the California Department of Insurance in the 1990s. Bach served on the Product Enhancement Advisory Board to the California Earthquake Authority in 2005—2007. Bach was appointed in January, 2008 by the California Insurance Commissioner to Chair a Consumer Advisory Task Force. Bach has been selected six times to serve as an official consumer representative at the National Association of Insurance Commissioners and is a member of the NAIC Consumer Participation Board of Trustees. Bach was honored as a 2012 Money Hero by Money Magazine and has received awards from the Independent Insurance Agents and Brokers of California, the Proposition 103 Implementation Project, and the Consumer Attorneys of California.
Emily Cabral, Program Coordinator
Emily Cabral joined United Policyholders in January 2008. As Program Coordinator, Emily works closely with the Executive Director and UP staff and volunteers to advance the mission of the organization through our three programs. For the last five years she has educated homeowners and renters throughout the Bay Area on the importance of insurance and financial preparedness as a key component of disaster preparedness. Emily proudly represents United Policyholders at conferences, meetings and workshops hosted by community leaders, claim professionals, the insurance industry, local and state government and other NGOs. Emily currently serves as the Vice President for NorCal VOAD. A San Francisco native, Cabral received a Bachelors of Arts in Sociology from the University of California, Riverside in June 2007.
Dan Wade, Staff Attorney
Dan Wade joined United Policyholders in January 2014. As Staff Attorney, Dan works primarily on the Advocacy and Action Program, helping draft and coordinate amicus briefs in addition to legislative and regulatory advocacy work and academic research in partnership with UP staff and volunteers. Dan's relationship with UP began as a student in Professor Ken Klein's seminar on The Law of Natural Disasters where Executive Director Amy Bach was a guest lecturer. As a law student volunteer for UP, he researched trends in insurance "bad faith" litigation and tracked insurance-related lawsuits filed after Superstorm Sandy. During law school, he also clerked for the law firm of Higgs, Flecther and Mack in San Diego where he worked on insurance bad faith cases and completed a clinical externship with the U.S. Environmental Protection Agency Office of Regional Counsel for Region 5 in Chicago. He was an active member of the Public Interest Law Foundation and Editor of the Environmental Law Society Newsletter. Before joining UP, he was the Dale Bryson Water Quality Intern (post-bar position) with the Alliance for the Great Lakes, an environmental group based in Chicago.
Dan earned his B.A. in Political Science from San Diego State University in 2007 and his J.D. from California Western School of Law in 2013. He was admitted to the Illinois Bar in 2013 and the California Bar in 2014. He is a member of the American Bar Association - Tort Trial and Insurance Practice Section - Subcomittees on Insurance Regulation, Insurance Coverage Litigation, and Property Insurance, the Bar Association of San Francisco, San Francisco Trial Lawyers Association, Consumer Attorneys of California, the Illinois State Bar Assocation, and the Chicago Bar Association.
Michaela Cordes, Development and Marketing
Michaela Cordes joined the United Policyholders team in December 2012 and manages our sponsorship program, grant writing, and events. She has spent her career specializing in non-profit fundraising and marketing and has worked with the Volunteers of America and Habitat for Humanity. Michaela graduated from the University of California, Santa Barbara in 2004 with a degree in Biochemistry.
Karen Reimus, Outreach Coordinator, Roadmap to Recovery ProgramKaren Reimus is a lawyer and a mother of two. Karen and her family lost their home and all their possessions is the October 2003 Cedar Fire. The firestorm leveled her suburban San Diego neighborhood and destroyed thousands of homes throughout San Diego County. After finding herself underinsured by a top-rated insurance company despite having a brand- new policy, Karen became a grass-roots advocate for herself and her neighbors. She travelled to Sacramento to lobby for legislative reforms and in 2004 Reimus signed on as a volunteer with United Policyholders. Reimus is a contributing author to the Disaster Recovery Handbook and Household Inventory Guide and the Survivor's Speak publication series in the UP Claim Help library. After another series of wildfires destroyed large numbers of homes throughout San Diego County in 2007, Reimus joined the paid staff of United Policyholders as the Southern California Outreach Coordinator for our Roadmap to Recovery Program. For two years after the fires, Reimus worked tirelessly with Bach and other UP staff and volunteers to coordinate well-attended workshops, meetings and support programs that facilitated wildfire survivors' recovery and rebuilding. During this time, Reimus helped establish the UP Disaster Survivor Support Network, a UP Roadmap to Recovery resource through which trained volunteers with personal experience recovering from past disasters offer empathy and support to people struggling to recover from recent disasters. Reimus coordinated UP's outreach and education operation in Orange County, California after a 2008 wildfire, and is now traveling back and forth to Boulder, Colorado where 170 homes were destroyed in a September wildfire. She is invaluable to United Policyholders and to the thousands of disaster survivors she has helped. The City of San Diego honored Karen's many contributions to her community by issuing a proclamation designating October 14, 2008 as "Karen Reimus Day."
Kerri Olivier, Colorado Coordinator
A survivor of the Waldo Canyon Wildfire of 2012, Kerri Olivier began her work with UP as a volunteer assisting in her community's long-term recovery. She transitioned into the role of UP's Colorado Coordinator when less than one year later a second major wildfire broke out in El Paso County. Kerri has helped coordinate over 20 Roadmap to Recovery and Preparedness workshops in three Colorado counties and is a contributing writer of our Survivors Speak and Tip of the Month publications.
In April of 2014, The Mountain Shadows Community Association, representing the neighborhood that took the brunt of the Waldo Canyon Firestorm, awarded Kerri their "Good Neighbor Award" for her advocacy and recovery work in the community. Kerri holds a Bachelors of Science in Business Management and Administration from The University of New Orleans.
Kaye Coates, Outreach Coordinator, Roadmap to Preparedness ProgramKaye Coates joined United Policyholders in April of 2010 as Outreach Coordinator for our Roadmap to Preparedness program in Southern California. Kaye is in charge of getting our tools distributed and our "Insurance Assurance – Does Your Safety Net Have Holes?" messages and tips heard throughout San Diego and San Bernardino counties in high wildfire risk areas. Kaye's personal and professional background make her a perfect fit for United Policyholders: She and her family lost their home in a 2003 wildfire, so she knows firsthand how important it is to have adequate insurance. And, she knows the specific preparedness action items that make the recovery path easier.
Kaye has put her BS in Computer and Information Science from The Ohio State University (GO BUCKS!) to good use by making improvements to the United Policyholders' Home Inventory. This tool is one of the most popular and useful items UP distributes through both our Roadmap to Preparedness and our Roadmap to Recovery programs. Through her work with United Policyholders, Kaye is helping individuals, businesses and communities be financially and personally prepared for natural disasters. When at home, Kaye is busy preparing her three children to be independent, responsible, contributing citizens.
Tony Steuer, Financial Preparedness Advisor
Tony Steuer, CLU, LA, CPFFE is a recognized authority on life and disability insurance literacy & financial wellness and is a member of the California Department of Insurance Curriculum Board and the National Financial Educators Council Curriculum Advisory Board. He resides in Alameda, CA, with his family. Tony's Questions and Answers on Life Insurance and The Questions and Answers on Life Insurance Workbook were winners of the Excellence in Financial Literacy Education™ Award from the Institute for Financial Literacy® . Tony's most recent book is The Questions and Answers on Disability Insurance Workbook. Questions and Answers on Life Insurance has been named by Forbes as 1 of 9 great investment books worth reading. Tony is a frequent speaker and media contact for print, online & radio.Tony is a member of the Lucille Packard Children's Hospital Foundation's Advisory Council, the St. Joseph Elementary School Advisory Board and the Alameda Little League Board.Connect with Tony: Twitter, LinkedIn, Facebook