Meet The Team
Ozzie was born in Portugal. The Oldest of 5 siblings, he was 12 years old when we came to the United States for a brighter future. After 3 years in Rhode Island his family made their way to California where we settled and continued to work hard. As a young Adult, he played semi-pro soccer. Throughout his life he coached several soccer teams in the Central Valley, both Youth and Adult. Even taking his 2008 AJAX team to the National Championship where they WON! Although his insurance career began in 1989, he did not open his own insurance agency until 2008. We have since opened two more offices in Rhode Island and Sonora, CA and secured licenses to sell insurance in 44+ states across the US. Our insurance agencies are very family oriented, as we employ and insure many family members as well as their businesses. He speaks 3 different languages and enjoys traveling, especially back to Rhode Island and Portugal. As a Widower, he continues to raise and love his beautiful daughter, Briana. The core principal we built our business on is Trust. Believing that “Good Friends and a Lifetime of Trust” will ensure a successful business and lasting relationships.
Kara is our CFO and VP of Human Resources, planning, analyzing, and managing our finances as well as staff. She is also a certified workers' compensation adjuster. She specializes in mod reduction and low mod retention. Kara has worked for Toste Insurance since it opened in 2008. She also handles licensing and secures our markets. Kara is certified in several OSHA topics and has an array of knowledge in claims and safety management.
As it goes with Toste employees she is also a former soccer player. She grew up playing for AJAX (the championship winning Rebels), Olympic Development, State Team, college ball, and semi-pro in the bay area as a top ranked goalkeeper.
Dede is new to Modesto area as she grew up in the L.A. and O.C. areas. She has been in the insurance industry for the last 13 years and enjoys servicing her customers. She has experience in the mobile home and personal lines areas. She has been married for 26+ years and they have a 14 year old son, Julian. In her spare time she enjoys spending time with her family and dog Bella.
Angi was born and raised in Oakdale and has resided in Modesto for the last 25 years. She has been in the insurance industry for 15 years with experience in personal lines insurance as well as commercial lines. Currently, as a licensed account manager she enjoys the fast-paced environment and the opportunity to work with clients on a daily basis helping them with many aspects of their insurance needs.
She spends her free time with family and friends, with a love for animals that allows her to enjoy horseback riding with her daughter, wine tasting with friends and much family time spent enjoying great food and good times.
Lucy was born and raised in Terceira Azores and came to the US in 1977 with her family. She is a mother of 2 great young adults, whom she treasures. In her spare time she loves to do anything that involves being near a beach. She has been in the insurance business for over 25 years and is fluent in Spanish and Portuguese. Insurance wasn’t her childhood dream but after helping her brother study for his insurance license test, she took a liking to it. The first 10 years of her career was focused exclusively on Health Insurance, where she worked not only as a broker, but also on the company side. The last 15 years she focused more on property and casualty and recently has included Health back in the mix. She always tells her clients who have followed her around for over 25 years; what makes her different is her willingness to explain what a coverage type is and why they do or do not need it.
Andrea was born in Lowell, MA but raised in Terceira, Azores. She lived in Terceira until the age of 11 and moved back to the US with her family in 1992. She has now been residing in the state of Rhode Island for over 15 years. She is fluent in both English and Portuguese. Andrea has over 10 years of experience in Client/Customer Service as well as 3 years in Human Resources. She is new to the insurance industry but is looking forward to her career change and excited to be part of the team. In her spare time she enjoys traveling, spending time with her family and friends and making new ones.
Born and raised in Modesto, California, Edison started working in the Insurance Industry during 2011. He had the privilege to provide many different lines of insurance for many different types of people, personal lines is his passion. This industry has taken him in many different places in the past several years. Currently, he specializes in Customer Relations. He is able to make the most of his knowledge by empowering our Customers and Prospects. No matter what kind of situation you may be in or what type of obstacle we may face, he is able to connect you with the right type of Specialist and Insurance Professional to meet your needs.
Briana was born in Modesto California. She Is the oldest child in her family. Briana graduated from Beyer high school with two school awards in 2017. Before working at Toste she worked in retail for several years. Briana has been working for Toste Insurance since January 2019. She likes to cook and likes to explore new places on her free time. She also coaches soccer for MYSA.
Troy was born and raised here in Modesto and attended Modesto Christian for elementary, Somerset Junior High, Grace Davis High School, and MJC. He played baseball for MJC and was fortunate enough to be drafted by the Minnesota Twins and played 5-years in the minor league system reaching the AAA roster. He enjoys coaching and developing players that love the game. On a personal level he is a father to 3 children and has been in the insurance for over 20 years. He specializes in risk transfer management and specifically the commercial insurance and workers compensation areas. He looks forward to partnering with you for your insurance needs.
Born and raised in Turlock and attended Pitman High when it first opened in 2002. When he's not out running around making friends and growing his business he is outdoors wake boarding, snow boarding, bike riding, hiking, attending sporting events or enjoying some great food. He has worked in the insurance industry since 2011. He always places his client’s needs first, going above and beyond for his clients is what he strives for every day. He prides himself in treating you like family and that is what drives him to make sure you are treated correctly when it comes to the Insurance world. He specializes in auto, home, life, supplementary benefits, business, and workers comp.
Diego was born in Sonora, Ca He has been in the insurance industry since 2014. He opened up his first business when he was just 16 years old. Currently, his parents operate that business as Diego continues to pursue his career in insurance. Diego always says "Teamwork makes the Dream Work", and he stands very strongly behind those words because he believes that together anything is possible. Also, apart from insurance, Diego likes to spend time with his fiancé as well as both of their families. Ultimately, one of Diego's main goals is to not only sell insurance, but help educate customers to make sure that they are always getting the correct type of insurance and amount of coverage necessary.
Roger ( Rupinder ) Mangat graduated Ceres High School in 1996 and went to DeVry University thereafter. He has been a production planner for Belden and Tyco Electronics before coming into the Insurance Industry. He had a change to become partners with the Insurance Firm with over 30 years of experience and access to over 300+ Insurance Carriers. His hobbies are singing, horseback riding, socializing and hosting cultural events. He is people-oriented and loves to spend time with kids and family. Roger is also passionate about riding motorcycles and enjoying nature and taking long drives and hiking. He is very enthusiastic when it comes to educating the client of their insurance needs. He speaks Hindi and Punjabi also.
Brad was born and raised in Modesto, CA and now resides in the Oakdale/Waterford area. He has been married to his wife for over eighteen years and they have three children. Brad started working in agricultural and construction trades around the age of eleven. He graduated from Central Catholic High School and always worked in the fields and orchards or at his father’s roofing company as much as possible during his teenage and young adult years. He also attended Modesto Junior College and played soccer there after high school. Brad entered into law enforcement in 2006 until 2020 when he was subject to an early retirement. After retiring from law enforcement, Brad graduated from Union Institute & University and entered into the insurance industry. He specializes in personal lines, commercial, life, accident and health sales. Brad is also a group health customer service representative for the agency. In his spare time, Brad enjoys spending time with family, coaching his daughter’s competitive soccer team and watching the San Francisco Giants with his son. Brad looks forward to helping you with any of your insurance needs.
Moises has been working in the insurance industry since 1997. He worked as an independent adjuster and in quality control for 22 years. He believes in putting his clients first and maintaining a high level of professionalism. Moises brings a level of expertise to his clients and works diligently with them to find a plan that meets their concerns and price point.
Moises was born and raised in the Warren Rhode Island area and spent many years in Portugal with his family as a child. When he’s not working in insurance he spends time as a football referee for youth games, and enjoys spending time with his friends and family.
Moises is fluent in Portuguese and English.
Seth was born in Sonora, California and was raised by a family of entrepreneurs. This up bring inspired Seth to get into business and showed him how much of a positive impact it can have on a community. Seth started his first business at 18 years old and he ran this business while earning a degree in Environmental Studies and Economics with Honors at the University of California, Santa Cruz. After graduating, Seth began his career in insurance, realizing how much the industry can help people achieve their goals and protect what matters most to them. Seth focuses on building mutually beneficial relationships with clients and he believes trust and quality service should always be prioritized. He also prides himself on being an educator, not a salesman, and is passionate about showing his clients exactly why the policies they have are the best fit for their needs.
Linda was born and raised in Atwater, CA and attended Atwater High School where she played soccer, softball, and tennis for all 4-years. She soon after went to Merced Junior College where she received her Associated Degree in Liberal Studies and played soccer there for 2-years. Linda decided to continue her education and transferred to California State University of Stanislaus where she received her Bachelor's Degree in Liberal Studies and soon married after that. She is currently a mother of 3 and loves spending time with them, as well, as her husband. She came to be in the insurance business through Ozzie Toste, the owner of Toste Insurance. He spoke highly of the industry and thought she would be great because she loves dealing with clients and has the knowledge to succeed. She has been in this line of business for about 4-years now and manages all of the commercial accounts. She enjoys her work and loves the fast paced environment. Not only is she assisting others, but servicing them with their needs and concerns.
Brittany is our agent at the new Reno location. She grew up in the Central Valley and moved to Reno approximately 8 years ago. Although, she hasn’t been in the insurance industry as long as others, she’s grown up around it as her father was an agent for many years. She comes from large-scale commercial banking and loves taking care of our clients! In her free time, she enjoys making memories with her husband, Phillip and 2 children.
Dan O'Brien has lived in Modesto his entire life. His extremely large extended family has exposed him to a vast number of occupations, giving him a general understanding in number of disciplines. In his young twenties he began a career in sales, which lead to sales management, and ultimately general management. During the same period he became involved in farming, as well. With 12-years of farming and management experience behind him, he is now working as an insurance broker, specializing in commercial and agricultural accounts.