
Rich Sabatowski
Rich started his career in hospitality working his way up from washing dishes, bussing tables, serving and bartending to General Manager of some amazing restaurants. Hard work and a commitment to customer service provided him the opportunity to work with many amazing teams and mentors and learn so much along the way.
In 2011, he decided to take those experiences he had learned along the way to start a new chapter in insurance. Under the leadership of Paul LoNigro at GIA Risk Management in Colorado, Rich worked tirelessly to rapidly gain success in his new path. While it wasn’t easy, Rich managed to be one of the top producers in the agency. He is driven through a passion for helping people and providing top notch customer support and service, while providing protection for Clients and their families.
San Diego was always a city that Rich and Nadene loved. They spent some time here in the early days of their marriage and always vowed to move back to the San Diego area. After vacationing here very frequently, Rich and his family moved to San Diego and began laying the groundwork for Beach Break Insurance Agency which they started in December of 2016.
Rich has 2 kids, Nate and Emma and a dog named Polly Malu, a tribute to Rich’s other passion, Steeler football. Rich also enjoys, Sailing, Running, Skiing when possible and trying every restaurant in town. He enjoys everything Southern California has to offer from Julian Pies, Temecula Wine Country and of course the Beach!

Nadene Sabatowski
As a young woman, Nadene displayed a tremendous business acumen. This was quickly noticed and she began her career in hospitality and was promoted to running a small restaurant in Folsom, California. After many years spent enjoying the restaurant industry, she moved to Colorado and welcomed her first of two children, Nate, and sought to apply her management skills as an independent contractor for other business, thus opening her own company “Small Business Solutions” which she owned and operated for 12 years. When she saw the success her husband Rich was having in the insurance world, Nadene saw an opportunity to apply her customer service background to helping clients improve both their insurance rates and coverage. She joined the insurance world in 2012, working with Paul LoNigro at Group Insurance Analysts in Wheatridge, Colorado and became a student of the industry, learning everything from sales to administration.
After many happy years in Colorado, Rich and Nadene, along with their two children, Nate and Emma, as well as the family’s beloved dog, Polly, moved to San Diego, California in 2016 which had long been a dream of theirs. Soon after moving west, another dream came true when Rich and Nadene opened “Beach Break Insurance Agency” and Nadene was able to apply her love of customer service and insurance industry knowledge alongside her husband, Rich.
Now, Nadene thoroughly enjoys all that San Diego has to offer, sailing and paddle boarding on the San Diego Bay, finding new hiking trails, exploring new restaurants, and riding her beach cruiser throughout town. Nadene’s focus remains to take the stress out of finding your perfect insurance policy by helping you navigate the pros and cons of all your options, so that you too can enjoy your favorite activities knowing we’ve got you covered.

Stephanie Munoz
Stephanie is a San Diego native, born and raised in this vibrant city. With a diverse background that includes being a former chef, Stephanie brings a unique perspective to her role as an insurance agent. Her culinary experience instilled in her a dedication to detail and a knack for problem-solving that she now applies to help clients navigate the complexities of insurance.
A people person at heart, Stephanie finds immense satisfaction in assisting and guiding individuals and families towards optimal insurance solutions. She prioritizes personalized service, striving to build lasting relationships based on trust and understanding.
Outside of her professional endeavors, Stephanie shares her time with her beloved dog, Piper, exploring San Diego’s treasures and local gems, like the iconic Balboa Park. Additionally, she continues to support and contribute to her family’s pizza restaurant, where she honed her work ethic and customer-centric approach.
Stephanie’s dedication to her clients, coupled with her love for her community and culinary roots, embodies her as both a trusted insurance advisor and a valued member of the San Diego neighborhood.
Connect with Stephanie to explore your insurance needs and discover the tailored coverage that suits you best.

Kathy Majam
Kathy is a Southern California girl, Growing up and living in San Diego for over 55 years.
Kathy has been married to her husband Roland since 1983 and has one son, Mike. Her willingness to help others and get involved in the community included her starting a competitive roller hockey organization while her son was growing up. Her hard work and dedication grew the organization to over ten teams varying in skill levels and age groups from 10 to 18years old. She’s been involved with the Boys & Girls Club for years.
Kathy has been a personal lines insurance agent for over 40years and has been awarded numerous distinctions including the prestigious Joanne Heidelberg Award presented by AIG Private Client Group . Kathy prides herself on being able to help the client to achieve the proper coverages at the most affordable prices.. Her knowledge and experience as an agent will allow her the ability to minimize the risk exposure for the client while still considering the budget constraints they have.
To quote Kathy, “I love what I do “ this isn’t a job to me.

