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About Us

Who We Are

Craig Schweikhard – Executive Director

Craig Schweikhard is the Executive Director of SMCSIG. Craig received a Bachelor’s Degree from Cal Poly at San Luis Obispo in Political Science, and a Masters in Business from the Thunderbird School of Global Management. Craig also holds an Associate in Risk Management (ARM-P) and has 30 years’ experience working in public entity claims and risk management working with third party claims administrators and public entity pools throughout the state. 

Sharon Vishwa – Member Services Manager/Board Relations

Sharon has been with SMCSIG since 1996. She has 15 years of experience in assisting the Property/Liability Claims Manager in handling property and liability claims. Currently Sharon supports the Executive Director.  Sharon is responsible for managing benefit programs for members,  owner controlled construction program, conducting customer satisfaction surveys, creating and disseminating communications to members and supporting JPA board functions. Sharon serves as in-house finance manager and is responsible for human resource functions related to SMCSIG staff and maintains vendor relations.  Sharon has a Master's in Public Administration with a concentration on Public Affairs from Notre Dame de Namur University.

Lourdes Goncalves – Manager, Loss Control/Workers Compensation

Lourdes is the Manager, Loss Control /Workers Compensation for SMCSIG.  She has over 12 years experience working for State Compensation Insurance Fund in audit, health and safety, and data analysis. Lourdes monitors workers’ compensation claims and works closely with Keenan regarding medical case management, modified duty/return-to-work program, potential fraud, and works with member districts who may have questions on the direction of a workers compensation claim. She is part of workers' compensation claims reviews and is a resource for those members dealing with permanent restrictions and accommodation. Lourdes is responsible for safety trainings and loss control plans for your district and provides analysis based upon member experience modification factors.

Stephanie Carmona – Property/Liability Claims Analyst 

Stephanie is our Property/Liability Claims Analyst who comes to us with over 18 years of experience as a paralegal with firms specializing in public entity and insurance defense. For the past 4 years, she worked as a business development representative for a restoration company where she worked closely with adjusters, public entities and claimants who sustained property losses including water, fire, mold, waste water and wind damage. Stephanie is responsible for investigating and evaluating liability claims; prepares reports for members and board action; administering school district liability and property deductible programs. She manages outside legal counsel handling litigated files, attends mediation and settlement conferences.  Stephanie works closely with SMCSIG members to answer questions, evaluate coverage issues and make recommendations to the Executive Committee. 

Tom Ledda - Senior Loss Control Analyst

Tom Ledda is the Senior Loss Control Analyst for SMCSIG. Tom’s main focus will be to partner with our member districts and the County Office of Education to conduct safety inspections of at least 50% of member owned buildings each year. Tom's duties include working with districts to hold regular safety committees, review building systems to help advise on maintenance issues that can ultimately result in property losses, and also conduct playground inspections. Tom’s initial primary focus will be to help reduce property losses from mold and water inundation. Tom spent over 30 years running his own plumbing business. He most recently was the Director of Maintenance, Operations and Transportation at Brisbane School District. He also has served as a school board member and continues to serve as baseball coach for San Francisco City College.

Sherrill Ernest – Administrative Specialist

Sherrill Ernest is the Administrative Specialist for SMCSIG. Her duties consist of setting up claim files and issuing payments in the Property/Liability Claims Program, assisting the public and member districts with Certificate of Insurance request, subrogations, comprehensive and collision coverage,  handling minor vehicle accidents, conducting court searches, obtaining police reports, processing incoming and outgoing correspondence of highly confidential documents, and assisting SMCSIG staff. She also performs a variety of routine clerical work including reception duties, photocopying, filing, sorting and distribution of mail.

Raya Estares -  Loss Control Analyst

Raya Estares is the Loss Control Analyst for SMCSIG.  Raya supports the Workers Compensation Manager and Senior Loss Control Specialist.  She is responsible for conducting facility and playground inspections at over 80 sites each year, help school district members respond to OSHA citations, and works with all levels of school personnel on safety issues.  Raya also generates inspection reports, arranges training schedules, and tracks loss control activity compliance for each member district's loss control program.  Raya graduated from UC Riverside with a bachelor's degree in Economics. She comes to us from the private sector with a background in forensic economic research.


Executive Board Members


  • Craig Goldman, Chief Business Official
    • Belmont-Redwood Shores Elementary School District

Vice President

  • Carolyn Chow, Chief Business Official
    • San Mateo-Foster City School District
  • Eric Burmeister, Superintendent
    • Menlo Park City Elementary School District
  • Terry Deloria, Superintendent
    • Jefferson Union High School District
  • Gaby Hellier, Assistant Superintendent, Chief Business Officer
    • Burlingame Elementary School District
  • Margie Gustafson, Administrator, Internal Business Services
    • San Mateo County Office of Education
  • Josie Peterson, Chief Business Official
    • Pacifica School District
  • Wendy Richard, Associate Superintendent, Business Services
    • San Bruno Park Elementary School District

Link to Compensation Report