Our Team


Ray Rousseau, CPCU, Licensed Agent, Principal/Owner

Ray Graduated from the University of Maryland in 1969. His insurance career also began in 1969. Ray worked for Safeco and Hartford in various underwriting and marketing positions. In 1979, Ray received the prestigious Chartered Property Casualty Underwriter designation from Golden Gate University. Ray has been the agency owner of Cavanaugh/Smith/Habel since 1987. Ray specializes in handling the agencies large commercial accounts. Ray is married and lives in Foster City. He has 2 children and 4 beautiful grandchildren.



Michael Rousseau, Personal Lines Manager, Licensed Agent

Michael has a B.S. in Marketing from Fresno State University. Michael has 20 years of experience in the insurance industry. Michael has a background in Commercial Insurance and Claims. He worked for Kemper and AIG for 8 years prior to joining Cavanaugh/Smith/Habel in 2000. Michael is the Personal Lines Manager and he also handles commercial accounts as well. Michael is a licensed Property/Casualty Agent. Michael is the son of the owner Ray. Michael is married and lives in Santa Clara and has 2 daughters.



Kirsten Molencupp, Customer Service Representative, Licensed Agent

Kirsten began her insurance career in 1985 and started working at Cavanaugh/Smith/Habel in 1988. Kirsten is a licensed Property/Casualty Agent. Kirsten handles both personal and commercial accounts. Kirsten is married and lives in Belmont with her kitties and tiny Chihuaha.

Get a Quote or call for a quote at 650-345-9292