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Our Staff

Amy Bach

Amy Bach, Executive Director

Amy 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.
  

Tony Steuer, Director of Financial Preparedness

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
  
Emily

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.
  
Kaye

Kaye Coates, Outreach Coordinator, Roadmap to Preparedness Program

Kaye 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.
  

Michaela Cordes, Development and Marketing

Michaela 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

Karen Reimus, Outreach Coordinator, Roadmap to Recovery Program

Karen 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."
  
Dan Wade, Staff Attorney

Dan Wade, Staff Attorney

Dan Wade, Esq. joined United Policyholders in January 2014. As Staff Attorney, Dan works primarily on the Advocacy and Action Program but also on UP's other programs. Dan's relationship with UP began as a student in Professor Ken Klein's Natural Disaster Law Seminar where Executive Director Amy Bach was a guest lecturer. As a law student volunteer, he contributed to the Amicus Project through his research on trends in insurance "bad faith" litigation and tracked insurance-related lawsuits filed after Superstorm Sandy. During law school, he also clerked for the Real Estate, Environmental, and Torts/Insurance practice groups at the law firm of Higgs, Flecther and Mack in San Diego and completed a clinical externship with the U.S. Environmental Protection Agency Office of Regional Counsel for Region 5 in Chicago. He was a student member of the Public Interest Law Foundation and the Editor-in-Chief and contributing author of the Environmental Law Society's Bi-annual Newsletter. Before joining UP, he was the Dale Bryson Water Quality Intern with the Alliance for the Great Lakes, a Chicago-based non-profit.

Dan earned his undergraduate degree from San Diego State University in 2007 and his Juris Doctor from the California Western School of Law in 2013. He was admitted to the Illinois Bar in 2013 and is pending admission to the California Bar. He is a member of the American Bar Association - Tort Trial and Insurance Practice Section and Natural Resources and Environment Section, the Bar Association of San Francisco, Consumer Attorneys of California, the Illinois State Bar Assocation, and the Chicago Bar Association.