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951.339.2518

Meet Our Team of Experts

  • Mike Willingham

    Principal
    Office: 951-339-2518
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
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    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: 951-339-2518
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
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    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
    Office: 951-339-2518
    Fax: 951-273-3001
    2469 Pomona Rd, Suite 101
    Corona CA 92880
    Get Directions >>

    With over 34 years insurance industry experience, Matt's specialties include Workers' Compensation and Commercial P& C lines. He holds the following industry designations:

    • AU- Associate in Underwriting
    • CBC- Certified BizAssure Consultant
    • PWCA- Professional Workers' Comp Advisor

    Following is a summary of Matt's relevant experience:

    • Co-Founder: ISU Willingham, Combs & Starkey (2010 – present)
    • Founder & Board Member: BizAssure (2000 – present)
    • Creator of The Gapper-tm; Commercial coverage gap finder software in use by over 200 agencies nationwide. Sold to The International Risk Management Institute in 2011
    • Founder: SilverStar Publications, Inc. (2004 – present). Publisher of various insurance industry newsletters, software, etc.
    • Co-Founder: Combs & Starkey Ins. Services, Inc. (1988 – 2003)
    • 1978 – 1988: Underwriting & Excess Lines Underwriting with firms such as INA Ins. Co.; AIG Group;

    Matt has also served as an Expert Witness in prevailing insurance coverage cases, and is a published author in various industry periodicals