Give us a call
951.273.3000

Meet Our Team

  • Mike Willingham

    Principal
    Office: 951-273-3000
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
    Get Directions >>

    With over 20 years of insurance industry experience, Mike serves as a Principal at ISU Willingham, Combs & Starkey Insurance. Mike's specialties include Commercial Property & Casualty, Workers' Compensation and Group Benefits. He holds the following industry designations:

    • CLCS – Commercial Lines Coverage Specialist
    • PWCA – Professional Workers' Comp Advisor
    • CORS – Business Insurance Risk Analyst

    Following is a summary of Mike's relevant experience:

    • Co-Founder: ISU Willingham, Combs & Starkey (2010 – present)
    • Co-Founder: Willingham & Frederick Insurance Services, Inc. (2004 – 2011)
    • Vice-President: ISU Willingham Insurance Services (1996-2004) - Sales and Management 
    • Member of Executive Leadership Roundtable – Greater Corona Valley Chamber of Commerce. Risk Management Consultant.
    • IAS (1986 – 1996) Financial and Cost Analyst, Information Systems Manager
  • Randy Combs

    Principal
    Office: 951-273-3000
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
    Get Directions >>

    Randy has over 34 years of insurance industry experience, and serves as a Principal at ISU Willingham, Combs & Starkey Insurance.

    Randy's specialties include Workers' Compensation and Commercial Property & Casualty lines for all types of risks. He is a Certified BizAssure Consultant.

    Following is a summary of Randy's relevant experience:

    • Principal: ISU Willingham, Combs & Starkey 
    • Branch Manager, Magna Carta Ins. Co's., (2009 – 2012) 
    • Co-Founder: Combs & Starkey Ins. Services, Inc. (1988 – 2003)
    • Commercial Underwriter: CIGNA, Aetna, Commercial Union (1978 – 1988)

    In addition, Randy has also served as an Expert Witness in insurance coverage cases, and has served on Agency Advisory Councils for various national carriers.

  • Matt Starkey

    Principal, AU, CAWC, CCIP, CLCS, MLIS, PWCA, SRM
    Office: 951-273-3000
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
    Get Directions >>

    With 39 years’ experience, Matt’s specialties include Commercial P&C and Workers’ Compensation.  He holds the following designations: 

     

    • AU- Associate in Commercial Underwriting
    • CAWC- Certified Authority on Workers’ Compensation
    • CCIP- Certified Constructions Insurance Program
    • CLCS- Commercial Lines Coverage Specialist
    • MLIS- Management Liability Insurance Specialist
    • PWCA- Professional Workers’ Comp Advisor
    • SRM- Sustainable Risk Management

     

    Matt’s relevant experience includes:

     

    • Expert Witness in coverage & agency practice cases;
    • Creator of The Gapper™; Commercial coverage gap software
    • Underwriting & Excess Lines Underwriting (1978 – 1988) with firms such as INA Ins. Co., AIG Group; 
    • Co-Founder:  Combs & Starkey Ins. Services, Inc. (1988 – 2003)
    • Founder: SilverStar Publications, Inc.-Insurance publications (2007-present)
    • Founding Member & Board Member:  BizAssure (2000 – present)
    • Co-Founder:  ISU Willingham, Combs & Starkey (2010 – present)
    • Author of various insurance books including:

    -       Coverage Gap Analysis

    -       Surviving Business Insurance

    -       The New Producer’s Handbook

    -       10 Crucial Questions For Every Producer