About Us

Ozzie Toste


Troy Galloway

Vice President

Kara Keene

Chief Financial Officer

Claims Professional

Linda Toste

CSR - Commercial Lines Manager

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 North Carolina and secured licenses to sell insurance in many different 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.

 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.

Kara is our CFO, planning, analyzing, and managing our finances. 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. She is certified in several OSHA topics and has an array of knowledge in claims and safety management.

Outside of Insurance, Kara is a former police officer and current bail bondsman and bounty hunter. 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. 

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.

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.

Deidre Hernandez

Agent & Customer Relations Commercial Lines

Edison Guerrero

Customer Relations

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. 

Dan O'Brien


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.

Lucy Guerrero

Personal Lines CSR/Agent

Eric Fartura

Agent - Rhode Island

Justin Barrera

Vice President

RI Office Manager

JP Hurlbert


Roger Mangat

Vice President

 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.   

Eric was born and raised in Rhode Island. He loves traveling, cooking and spending time with family and friends. He speaks English, Portuguese and a little Spanish. He is new to the insurance field, but when he was offered this opportunity, he took it. Eric is a people person and enjoys interacting with people and helping them meet their insurance needs. He is excited to start this new adventure and continue on with the Toste Insurance agency in Rhode Island. He is dedicated and will make sure to exceed your expectations. He is looking forward to doing business with you. 

​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. 

JP Hurlbert has over 23 years in the Insurance industry. He is experienced in multiple lines and specializes in Commercial, Personal, Life and Health. Prior to that JP majored in Business Administration at San Jose State University and minored in Airport Management. He was born in San Francisco and raised his family in the Central Valley. He and his wife have six children. They both enjoy volunteering at their church, traveling and spending time with family and friends.

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.

Luis is the eldest brother of his 8 siblings, graduated from San Jose State University, and has been in the insurance industry for 15 years.

He enjoys traveling, trying new food dishes, and spending time with his family. Luis has also found success in stock trading.

Luis Flores Jr.


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.

Brittany Ingram

Agent - Nevada

Diego Contreras

Vice President

Sonora Office Manager

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.

Briana Toste

Customer Service

Briana was born in Modesto California. She Is the oldest child and her family. Briana graduated from beyer high school with two school awards in 2017. Briana attended MJC after she Graduated high school to pursue her teaching credentials, after a year and half of attending MJC she changed her mind on majors and decided to get in the workforce.Before working at Toste she worked in retail for three years. She 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 coaching soccer for Rec kids at MYSA.

Molly Moran-Lindsey

Customer Service - Small Business

Molly Moran provides customer service to our small business accounts. Molly has lived in Modesto for over 36 years and has worked in the insurance field as an office manager and client liaison for over 5 years and is a licensed life and health Agent. Molly’s Professional experience has consisted of many years of Sales and Marketing Management, Promotions, Food Service Management, and most important of all a Mother. Within all of this experience, Molly has developed a strong devotion to the importance of Customer Care.

Simi Mangat

Customer Service - Personal Lines

Simran Mangat was born in India and came to United States to pursue her American dream in 2007.  She provides exceptional service to our property and casualty accounts.  Simi is very people oriented and has been a great asset to Toste Insurance Team.  She has 2 beautiful kids and a great husband who supports her strongly.  She loves to cook, handcraft and also has a pet Bunny named “Fluffy” and a Maltipoodle named “Bruno”. Simi strongly believes that Quality in a service or product is not what you put into it. It is what the Customer gets out of it. Simi has a very bright future with our firm.

© 2023 by Toste Insurance Services, Inc.