Staff Directory

Diana Acosta, CISR, CPIA

Honesty, integrity and attention to details are just three of the attributes Diana brings to her work servicing clients. She is a people person and enjoys interacting with her clients, advising them on coverages and following up with carriers on their behalf.

When not at work, Diana likes to go to the gym – her hobby is working out. She likes to spend time with her grandchildren and doing anything involving the outdoors. She has three children, three grandchildren and a cat named Diesel.

Doris Adams-Chayka, CRIS

Doris addresses the needs of her clients by providing solutions through service and education. She has a real sense of team spirit and maintains a positive attitude and cheery disposition for clients and coworkers. Being patient and detail oriented are additional skills that help Doris in her work.

Polar Bear plunges and Boy Scouts are two things Doris participated in but now is more inclined to contribute to various fundraisers. Her hobbies include reading at the beach and camping in Maine. She and her husband have three sons and a granddaughter. Doris grew up in New York City and lived in New Jersey before moving to Lancaster County.

Kristin Adams

Kristin is the “go-to” person for day-to-day operations of the Accounting Department. She has a keen understanding of the Agency’s accounting programs and structure. While being very detailed and thorough, she is laid back and easy to work with.

Kristin is co-captain of Murray for a Cure Relay for Life team and participates in year-long fundraisers. To relax, Kristin enjoys traveling and spending time in nature, especially Pine Creek Valley, Southern Florida, and American West. Kristin and her husband, Jeff, live in Lititz with their two dogs, Chip and Hank.

Nebiyou Aynu

Building relationships through sound business advice has been Neb’s most valuable skill. His surety bond clients appreciate his technical expertise and ability to analyze financial statements to help them create a comprehensive bonding program. He thrives off being outside of the office networking and building new relationships to see how he can be a resource. He is a true believer that your “Network” is your “Net Worth”.  He has a particular interest in working with small and emerging construction companies because he gets to see them succeed and grow throughout the years with his sound business advice.

Outside the office, Neb serves at his Church in Silver Spring, MD where he is a part of the “First Impressions” team. In his spare time he considers himself a “foodie”, exploring all the new restaurants in the DC area with family and friends and then running it all off at home in Reston, VA.  

Beverly Bankus

Part of the AP Benefits Team

Andrea Bell

As a problem solver, Andrea likes that each day brings a different challenge. Her ability to use her outgoing and easy personality help her to work well under pressure.

Andrea is most happy when her toes are in the sand and there is a margarita close by. She likes to spend time with family and reading and travelling. She has two adult children and two grandsons. Andrea and husband Tom live in Mount Joy.

Evelyn Benevento

Rebecca M. Bennett

Rebecca strives to give superior claim service to obtain the best possible outcome for her clients.

She has participated in warrior dashes and volunteers her time assisting at a women’s shelter. In her spare time, she enjoys going to the beach, spending time with family and kayaking. Rebecca grew up in New Jersey before moving to Lancaster.

Carol Benning, CPIA

Carol is known for her willingness to help wherever she can – especially when it involves clients.

She is involved in church activities and loves being outdoors, at the beach and eating peanut M&Ms! She lives in Lancaster with her husband, Jeff, daughter Mikayla, and dog, Omar.

Alaina Bernhardt, CISR

It’s important to Alaina that the insurance experience for small business commercial accounts is as painless as possible. That’s where Alaina’s friendly attitude and enjoying talking with clients make her shine.

Alaina is a Board member of the Marietta Restoration Associates, Inc. and enjoys reality television and walks in Marietta with her husband Nate, son Cooper, and three Boxers JD, Luca, and Axel.

Heidi Betz

Heidi has over 30 years of experience in the services industry. She enjoys working directly with clients and delivering personal service to make sure their questions are answered. Being challenged means always learning so bring on the challenges!

 Heidi likes going to live music concerts and vacationing in Ocean City, MD. Currently she lives in Mount Joy.

Part of the AP Benefits Team

Ryan E. Betz, SCLA

The main focus of Ryan’s career is on medical malpractice, nursing home and municipality claim management. He has 18 years of experience in liability claims. Since it’s no secret that people are not fond of claims specialists, Ryan makes client satisfaction his number one goal.

Ryan enjoys coaching his son’s soccer team and is an avid backpacker and beach lover. He and wife Amberly have four dogs.

Rachel Blackmore

Rachel’s hospitality background, attention to detail, and quick learning curve allows her to give clients the best service possible. By providing excellent support service, Rachel keeps tasks moving forward by issuing bonds, invoicing, and maintaining files.

When not in the office, Rachel enjoys doing puzzles, visiting escape rooms, and other activities involving critical thinking. She moved to Virginia in 2017 with her boyfriend, Briton, cats Leo and Onyx, and dog Ginny.

Jodi L. Book, CISR

As a quick learner and someone who retains information easily, Jodi handles the day-to-day servicing of her commercial clients. Any changes they need, certificates issued, she’s on it.

She is an assistant to the troop leader for her daughter’s Girl Scout Troop, and loves carrots – especially cooked ones. Jodi also likes to bowl and visit the Outer Banks. She has a daughter, Mikayla. The family is completed by Gizmo, Shih Tzu, and Harley and Moo, Guinea Pigs.

Deanna Bowers

Employee meetings, enrollment and terminations, claims assistance and help with billing issues are just some of the services Deanna provides to her commercial clients. Her high customer service standards, availability (not everyone works 9 to 5), and willingness to always lend a hand make her invaluable to her clients.

Deanna has lived in Strasburg and enjoys hearing the train whistle on quiet nights. She likes to hike with her dog, read, and get to the beach whenever she can.

Part of the AP Benefits Team

David R. Bradbury

Helping our clients prepare for the worst so they can achieve their best is Dave’s calling. It takes an amazing team of people who work together to support and protect our clients, people, property and financial success; Dave heads up that team. His 40 years of experience give him the insight into the work our construction clients do as well as how insurance companies think. Dave brings the right people together to get insurance and bonding programs built, even when others say it can’t be done.

Prior to joining Murray, Dave served as Surety Manager and Regional Vice President of two top-10 bonding companies in Los Angeles and Philadelphia, respectively.

Dave served as an Officer on the National Board of the Construction Financial Management Association (CFMA) and as a Construction CFO Mentor. In his “spare” time, Dave volunteers with the PA Dutch Council Executive Board of the Boy Scouts and is Treasurer and Head of Finance for the Luthercare Board of Directors.

He likes to restore antique cars and is currently working on his father’s 1960 Chrysler Saratoga. Dave lives in Lebanon with his wife Jeannie. They have three children and nine grandchildren.

Colin Brandt, CPCU, AU, AINS, ARe

Having worked for several insurance carriers prior to joining Murray, Colin understands how both sides of the insurance business operate. This experience helps him negotiate the best terms and value for his clients. Colin acts as a technician able to listen to the unique challenges businesses face and then offer creative solutions. He likes that no two days are ever the same.

Colin is on the golf committee of the Central PA CPCU Society. The committee raises money for United Way scholarships. He enjoys playing golf and always pushes himself to become better. He likes to vacation in the Outer Banks with his wife Nikki and their son and daughter. The family resides in York with their two dogs.

Timothy W. Braun

Identifying, evaluating, and controlling risks are Tim’s areas of expertise. He has experience working in safety, industrial hygiene, and OSHA regulations to help clients and coworkers with risk management.

Tim cheers for Wisconsin sports teams including Green Bay Packers (sorry Eagles fans), and enjoys golf, gardening, fishing and being outdoors. He and his wife, Cheryl, have four children—two live in Lancaster, one lives in Wisconsin and one is in Oregon.

Debbie Brown

Debbie is often the first contact for healthcare organizations seeking coverage. Her caring nature and ability to not get upset easily make her a good fit for this position. She is accurate and provides quick responses when they have questions.

Teaching youth at her church for over 25 years and reading, walking, and traveling to the beach are favorite ways Debbie spends her time. She and husband Ty live in Quarryville with Ruger their pooch. They also have two grown sons – Tyler and Corey.

Ivelys Chase

Having excellent people skills and knowledge of insurance help Ivelys explain the value of insurance to her personal lines clients.

She and husband Lovell have a daughter Julianna and son Ben. They live in Cochranville, PA.

Jennifer Clow

The office runs smoothly because Jennifer will take care of anything that needs to be done! She is versatile and can do everything from administrative support to building maintenance.

Outside the office, she officiates U.S., high school, and college swimming and is the Meet Director for her kids’ winter club. Jen has three daughters and one son. One daughter is a #1 league discus thrower and her son is a junior national discus qualifier. Another daughter won nationals for theater set design.

Anthony Coleman

Tony believes that really listening and creating connections is key to understanding what matters most to his clients as he guides them to the best wealth management solutions to fit their needs. His British/Irish/Austrian/Vietnamese multi-cultural background, coupled with his diverse professional experience including military, insurance, and wealth management, gives Tony the gift of storytelling which helps him relate to both clients and colleagues.

Tony is an active member of Freemasons Lodge 43, Scottish Rite in Harrisburg, and Slow Ride, bicycling around Lancaster City with family and friends every 4^th Friday. He makes healthy jerky, having great success using Mahi Mahi to make lean wild jerky with great flavor. Ask him about the Hawaiian Sweet Heat recipe he has perfected!  Tony, his significant other, Madonna, and her 14-year old daughter love being outdoors, biking on local rail to trail runs, snowboarding and skiing at Blue Mountain Resort, and vacationing and scuba diving at Cabo San Lucas, Mexico. They live in Lancaster with their two cats, Gnu Gnu and Nova.

Jennifer DeWalt

Jenn is the “first voice” of Murray. Her role is to develop relationships by explaining to prospects why getting to know Murray would be beneficial to their businesses. She consistently keeps in touch to break down barriers and schedule appointments on behalf of the Agency. Jenn has a positive attitude and outlook and enjoys the “thrill of the hunt” to get an appointment.

She is a member of the Lancaster Rotary Club and is involved in the Rotary International Youth Exchange Committee and is a part of the International Educational Scholarship Committee. Jenn and her wife Chris have three grown sons and three beautiful granddaughters. Jenn and Chris live in Columbia with their adorable Miniature Goldendoodle. Their favorite thing to do is enjoy drinks on the deck with the hummingbirds, or summer evenings by the campfire.

Christie R. Diller

Organization and attention to detail are two of Christie’s top attributes. She uses these skills to help with various accounting tasks that encompass purchasing, management of the corporate credit card program and budget tracking.

Christie is involved in a local church and enjoys camping, hiking, visiting national parks and going to the shore. She is married to Keith. They live on a small farm with their dog and three cats.

James C. Diller

By helping clients with employee retention and recruiting, Jim helps his clients grow their business. Clients appreciate that he works tirelessly and is very detailed in his friendly and professional way.

Jim is a volunteer with the American Red Cross. He watches Pitt football and basketball and Philly sports games. Jim and his spouse Jess live in Lancaster with their dog.

Part of the AP Benefits Team

Patrick Dixon

“It’s all about the coverage!” are Patrick’s words to live by as he reviews, advises and places executive liability for ESOP (Employee Stock Ownership Plan) companies and service providers. In placing coverage, he works with a company’s’ local insurance agent or directly with the insured.

Patrick’s hobbies include cycling around the open roads of Lancaster County and watching English football (soccer). Originally from the UK, he enjoys visiting his family and friends. Patrick and his wife Hilary live in Lancaster.

Chris Dombach, AINS, CPIA

Chris is an active listener who strives to offer clients personal service by understanding their needs and making the complex simple. Whether looking for coverage for small or large businesses, cyber security, commercial auto, or anything in-between, Chris will find the best solution and work alongside clients to build lasting relationships.

Outside of work, Chris volunteers for Central PA Food Bank through Calvary Church, is an avid Philadelphia sports fan (which can also be an unhealthy obsession) and can be found on the sideline of his sons’ sporting games. He loves spending time at any beach destination and will tell you that Tahiti still ranks #1.  Chris lives in Neffsville with his wife, Michele, and sons, Alex and Adam.

Donald H. Dresser

Don is responsible for market (brokering) negotiations and placement of large accounts with the various regional and national insurance companies Murray represents. He has been with Murray since 2015 and has over 25 years of underwriting and marketing experience.

Don’s enthusiasm for cycling is well known. He is on the Board of the Lancaster Covered Bridge Charity Ride and a member of the Lancaster Bike Club. In 2019, he cycled over 4,000 miles.

David M. Dvorchak

For the past 28 years, Dave has specialized in writing and servicing contractors. Add his passion for solving insurance issues and a never-ending quest to take care of his clients, Dave is the perfect fit for his current job of servicing a large book of contractor business.

Dave enjoys all types of exercise and likes to fish. He is the Agency defending cornhole team champion.

Douglas M. Dvorchak

Fulfilling multiple roles is Doug’s forte. Once he secures proper coverage for his clients, he can also provide risk management and safety services. He is a good communicator. Doug’s favorite part of the job is helping clients reach their goals.

Doug is active in ABC Keystone where he served as Chairman in 2019 and currently serves on their Safety Committee. He served on the Board at North Museum for 10 years as well as the Governor’s Safety Conference Advisory Committee where he was Chairman in 2009 and 2010. Doug was also a member of St. Leo the Great School Board for three years, serving as Chair during the 2012-2013 school year. He is currently a member of the Advancement Committee at Lancaster Catholic High School. Doug, his wife, and two daughters reside in Lancaster. He enjoys spending time with his family and being involved in his daughters’ activities.

Michelle Enterline

Providing the best service to meet the needs of her clients using her 20 years of experience, is Michelle’s goal. She builds lasting relationships by getting to know her customers.

Michelle starts the day with a good, brisk walk and spends time reading, golfing and vacationing at the beach.  She and her husband, Scott, live in an old farmhouse in Lancaster.  They have two grown sons.

Part of the AP Benefits Team

Paul Fiorelli

Reliability, trustworthiness, and strong ethics are the basis for Paul’s relationships, as he educates clients on gaps and overlaps in their insurance coverage. As a person who loves meeting new people, Paul has the keen ability to listen and understand the client’s needs and is able to offer them peace of mind through proper coverage.

Paul serves on the Board of Lancaster Young Professionals.  He loves cooking, golfing and vacationing at Hilton Head Island.  He and his wife, Gabrielle, live in Lancaster with their two dogs, Ellie and Hayes.     

William J. Foehlinger III

Clients know him as Bill (or Hollywood), the person they trust to keep them up to date on safety and health issues. Bill doesn’t disappoint! He uses his larger than life personality to relate to his clients’ challenges and provide answers.

In his down time, Bill likes to run and coach youth sports. His favorite way to spend time is walking down Main Street in the Magic Kingdom with his family and trips to Cleveland to watch Indian baseball. Wife Tara, daughter Molly, and Son Max live in York with their rescue kitten, June Bug.

Martha Forwood, AIC, ALCM, ARM

Martha assists clients when reporting claims and follows up to make sure the process is working. She is also their coverage advocate when claims occur. It’s important to her that clients understand how the claim process works and that they know she is there to guide them through the steps. Martha tries to put herself in her clients’ shoes when they have a loss and to offer customer service at a level she would expect.

Animal welfare is important to Martha, and she contributes to multiple animal rescue organizations. Quiet times at home or in a kayak watching birds and wildlife is her favorite way to pass the time. She lives with her husband, two dogs and three cats and actively feeds the birds and squirrels that venture into her yard.

Heather Gallagher

Being organized and personable with years of customer service experience, gives Heather the perfect trifecta of skills to assist the Wealth Management Solution.

When she’s not creating processes for efficiency and organizing events, Heather does fundraising for JDRF and assists the Conestoga Elementary PTO.

Gardening, thrifting, hiking and beach vacations with her family – husband, Micah, two sons, Logan and Austin, and dog, Sadie fill her free time.

Lauren Garber

With over 10 years of experience in the industry, offering exceptional service is what Lauren does best. From processing, implementing, and servicing accounts, she also uses her knowledge of carriers and compliance guidelines to seek alternative funding methods for employers. Lauren prides herself in helping clients achieve their goals surrounding employee benefits and wellness.

Outside of work, Lauren is active with Kadence Jae Foundation, a non-profit bringing awareness of Hemophagocytic Lymphohistiocytosis (HLH) to the community as well as supporting the Child Life Program at Milton S. Hershey Medical Children’s Hospital. She loves spending time with family, camping, appreciating the little things in life and believes you can never have enough fresh fruit in the house! Lauren, her husband Adam, and daughters, Teagan and Josie, live in Camp Hill with their Chocolate Lab, Willow.

Part of the AP Benefits Team

Grant Garza

Assisting small and emerging businesses grow is Grant’s top priority as he uses his finance background to help clients succeed. Known for being a great communicator, Grant truly cares about his clients’ goals and works diligently to help them excel within their industry.

Grant maintains a healthy, active lifestyle and you can find him at the gym six days a week.  Whether it be golf or a pickup basketball game, he is always up for a friendly competition.  Grant loves going to the lake, boating and waterskiing.  He lives in Arlington, VA.

Todd Geist, LUTCF

Todd’s 39 years of management experience provides valuable resources to his clients. He is versed in personal, commercial, and health insurances as well as wealth transfer, estate planning, business succession and retirement planning.

During his down time, Todd plays acoustic guitar and coaches youth sports. He is married to Ruth and live in Ashland with their cat, Little Man, and Airdale, Bear. Together they have two daughters and four grandchildren.

Jeffrey S. Gelburd, CPCU, ARM

For over 30 years, Jeff has been providing risk management and insurance consulting services to middle market risks, including international accounts. His resourcefulness and hard work contribute to his success when finding solutions for his client’s challenges. Jeff also manages an affinity insurance program for ESOP companies.

Jeff is active with the Harrisburg Rotary, Board of Directors of the National Civil War Museum, Kids’ Chance of PA, is a community advisor to Harrisburg Area Community College, Lancaster Campus, and the past President of the PA/DE Chapter of the ESOP Association. He likes reading, swimming, boating and international travel with his family. He is married with three children and three grandchildren. Jeff and family reside in New Cumberland.

Darlene Gibble

Darlene partners with small businesses to implement employee benefits programs. Her extensive knowledge and experience in health benefits insurance brings value to her clients.

She is married and has one son and a cat. Darlene likes to read, vacation in the Caribbean, and spend time with her family.

Part of the AP Benefits Team

Diane Giles

A positive attitude and eagerness to help with anything her clients need, Diane is there to make understanding benefits easier! She really cares about learning – what is necessary for her job and what her client’s require.

Diane enjoys being active in her church, with her kids’ school and activities and spending time with family and friends – especially if a beach is involved. Diane and her husband, Joe live in Lancaster with their two college age “kids”, Jessica and D.J. and their dog named Stella.

Part of the AP Benefits Team

Denise Gillin

Every day is different when meeting the marketing needs of an Agency as diverse as Murray! Denise likes to make sure ideas are heard, plans are in place, and everyone has the tools they need to get their educational message out to clients and prospects.

Outside the office her energy is put towards practicing yoga, traveling, and animal advocacy – dogs in general; greyhounds specifically.

Jennifer A. Gohn, CPIA

Jennifer knows that issuing a bid, performance, payment or other type of surety bond means you have to be fast and accurate. She takes pride in the job she does knowing it helps her clients.

Donating to local fire companies and various animal groups is important to her. Jennifer’s family consists of husband Jerad, step-daughter Olivia, two Chihuahuas – Killer and Tinker Bell, and a black cat named Charlie. They all inhabit a few acres in Manchester (York) where the deer are well fed, too!

Catherine Griffin, AINS

Cathy brings over 14 years of underwriting experience and a total of 19 years of experience in various roles within the insurance industry. She understands the perspective of producers and carriers and understands the needs of her construction clients and can find mutually beneficial solutions.

She relaxes by stepping away to a day spa or enjoying a movie night with her family. Cathy and her husband Derek have a daughter Audrey who is a cheerleader for Manheim Township youth. They live in Lancaster with their two dogs, Jax and Loki.

Shellene L. Griffin, CISR, CPIA

Shellene is considerate of small business clients and their needs. By having a good listening ear and paying careful attention to detail, she helps them make the best coverage decisions.

As well as being active in her church, Shellene volunteers at the Hanover Community Shelter, serving meals in the Provide-A-Lunch program and filling children’s backpacks with food at Ruth’s Harvest. She also volunteers at a local retirement center, visiting with the residents and playing cards. Shellene and her husband Kirk live in Hanover with their two dogs.

Melanie Gunzenhauser, CISR Elite

Melanie works “with and for” her clients until all goals are met, and she has 30 years of experience and her CISR Elite designation driving her success.

She serves her community through participation on the Murray Relay for Life team and by collecting donations for hospice. Melanie likes to cook healthful food and make soap, lip balm, and body butter. She enjoys beach vacations with her family, husband, Bruce, and adult children Nick and Abbey.

Nikol Hall, CIC, CISR

Working with the commercial producers to get the best market response for their client’s insurance program is Nikol’s forte. She is willing to help anytime, anyone – whether it be coworkers, internal staff, clients or company employees. Being nice and flexible contributes to her success.

Nikol has served on the Murray Relay for Life team and is past chair and co-chair of the Murray United Way campaign. She organized the Annual United Way Day of Caring for many years. She and her husband Ken are DIYers. If there is a household project – indoor or outdoor – they are on it! They love to plan a project, get their hands dirty, and sit back to see what they accomplish as a team. They live in East Lampeter Township and have a daughter Riley, a son Brody and two ornery cockapoos and a geriatric cat.

Lori Harris, AAI, CPIA

Finding insurance programs that benefit her clients both in coverage and premium is Lori’s goal. She listens, sorts out their needs and expectations then finds the right program to help them with their coverage.

Lori is active in the Donegal PTO and likes to swim, golf, ski, bike, hike and travel with her family. She lives in Maytown with husband Kevin, Jocelyn and Graham (daughter and son), dog Lily and cat Sneakers.

Christina M. Haupt

If you visit the Shamokin office, you’ll be greeted by Christina. Meeting and getting to know people is her favorite part of what she does. Dedication, honesty and patience make her invaluable to clients and coworkers as she helps them with their questions.

Christina likes to volunteer in her community. She is an animal lover who likes to hike and photograph nature. Christina enjoys time with family and friends. Born and raised in Mount Carmel, she is one of six siblings.

Christina L. Hay

Attention to detail and organizational skills are essential to Tina’s responsibilities in the Accounting Department. She handles payment to various companies we are in cooperation with each month.

Tina attends Grace Church at Willow Valley and volunteers in their Children’s Ministry. Swimming and crafting—especially scrapbooking, sewing, knitting, and cross stitching–are Tina’s favorite pastimes. She and her husband Dave have three children. They are empty nesters living in Willow Street with their Sheltie, Gizmo.

Tom Henschke

Looking ahead to prepare his team and clients for the future is the essence of Tom’s job description. He uses his ability and knowledge to turn the big picture into achievable actions.

Tom is interested in historic preservation and likes to play basketball and practice yoga. He enjoys time spent with his family – wife Sue and their two girls Abby and Kara. The family lives in Mechanicsburg.

Part of the AP Benefits Team

Beth Hildebrand

Beth is extreme in making sure details are in order! She plays the role of detective to make sure all incoming policies, audits, endorsements, and other documents are just right.

She participates in the walks for JDRF and the Wounded Warriors’ Project. Her pastimes include spending time with family – spouse Terry and daughters Shauna and Kacie – and vacationing at the beach or in the mountains. They live in Wrightsville with Camo, their Chocolate Lab and Butters, their cat.

Timothy C. Hoagland, AFSB

Tim’s area of expertise is construction insurance and bonding.  Prior to joining Murray, he worked as a bond account executive for an insurance carrier so he is well versed in both sides of the house.

He is part of the select group of surety professionals to earn the prestigious designation of Associate in Fidelity and Surety Bonding and is a previous member of the Board for the Construction Financial Management Association of Central Pennsylvania.

Tim and his wife have two children and live in Mechanicsburg.  He enjoys spending his free time with his family and getting involved in their various activities.

Therese M. Homicz

Therese is known for her honesty, integrity and strong work ethic. She is loyal to her employer, clients, and insurance carriers as she strives to make a difference providing proper insurance coverages.

She randomly volunteers when needed and enjoys walking, water, and wine – but not necessarily in that order. She is married to Joe and has two daughters and a great son-in-law. They look forward to time spent together on their annual family vacation.

Kimberly A. Horning

Kim always gives 110% to provide prompt, courteous service to anyone with a surety bond need – whether it is one of her contractor clients who require bonds on a regular basis or a client who has infrequent bond requirements. She takes the time needed to understand the customer’s point of view so she can best meet their bond needs.

She is active as her Church Council Secretary and belongs to “Stitches of Love”, a knitting and crocheting group who make items for people in need – prayer shawls, afghans, hats, scarves, and sweaters. Kim and husband Bob live in East Earl with their cat.

Amanda Howes, CompTIA A+, Security+

Saving people from themselves and fixing things before anyone knows they’re broken is Amanda’s superpower! She has a keen problem-solving ability and a constant source of problems supplied by coworkers.

Amanda’s B.S. in secondary education is relevant because she is still teaching people every day!

Amy Huyett

Working with her team to help service client policies is the favorite part of Amy’s job. Her contribution is to ensure the details are correct on farm policy renewals.

Amy is involved with Victory church and likes wood burning, baking, and going to the mountains with her husband Jim. Her son attends Lancaster Bible College and her daughter attends Solanco High School. They live in New Providence.

Sandy Hynicka

Our first impression coordinator, Sandy, keeps the reception area at our corporate headquarters on Duke Street running smoothly. She is invaluable to the Agency because there is always candy readily available at her desk for stressful days.

Sandy likes reading, swimming, and camping as well as mint chocolate chip ice cream bars. She has two sons, Kyle and Jared, and a grandson, Patrick.

Clarence C. Kegel, III

Clarence, better known as “Coogie” to his commercial property and casualty clients, is also known for his dedication and problem solving abilities. Coogie’s years of insurance experience and professionalism are invaluable to clients and coworkers.

His favorite pastime is trips to the beach.

Kristin Keiser, CISR

Caring about helping people is part of Kristin’s DNA. It’s important to her to solve customers’ problems by helping them with their insurance needs. Her prior experience in claims gives her a different perspective that rounds out the service team.

Kristin cares about her community, too. During the year she works with various charities and food banks in the Wyomissing area by collecting donations. Swimming and going to the beach with her family, husband Dave and daughter Kameryn are favorite past times.

Cayenne Kepner

Enjoying a challenge and never knowing what each day brings keeps Cayenne engaged and always learning as she works through both simple and difficult licensing and compliance issues. As a member of the Administrative team, you can find her filling in at the front desk, assisting with policy documents, and helping out with corporate travel and education.

Cayenne shops local small businesses, enjoys renovating and decorating her house, experiencing new restaurants and bars, going to the beach, and concerts.  She lives in Lancaster City with her friend, Kate, and cat Luna.

Anthony Kifolo

It doesn’t take long when working with Anthony to see that he has a positive attitude and provides service with a smile. He is proof that insurance can be fun when you work with the right people!

Anthony likes kayaking, hiking, soccer, lacrosse, beach trips and being a member of Lancaster Young Professionals. He and girlfriend Lindsay live in Ephrata with their two cats Teddy and Zeus.

Lynn A. Kleinsmith

Lynn likes knowing that at the end of the day, her clients’ questions were answered and their issues resolved. Her strong dedication and ability to listen give her the skills to provide quality service to customers.

While relaxing, Lynn likes sangria and veggie pizza. Walking, the beach, and spending time with family and friends are her favorite pastimes. Family is spouse Al, daughter Shannon and son Chad.

Sarah A. Kolp

Knowing how to juggle multiple deadlines is key to Sarah’s support of the workers’ compensation and professional liability adjusters. Additionally, she is recognized for being honest, hardworking, and detail oriented.

Sarah is involved with various church activities and likes to read, work out at the gym, and watch her nephew play ice hockey. Her favorite vacation is camping with her family. She has two kittens named Dexter and Max.

Joseph A. Kotula

Prior to Joe working at Murray in bonds, he was an underwriter for contractors in the Baltimore and Washington, DC area. This gives him a unique perspective on his client’s needs. Joe actively supports the construction industry with memberships and involvement in Associated Builders and Contractors, Construction Financial Management Association, and American Subcontractors Association.

Out of the office, Joe supports the American Cancer Society, United Way of Central PA, Knights of Columbus, Out Door Country Club as well as other young professionals organizations. Joe lives in York with his wife, Amy, and their two children. In his free time, he enjoys golf, hunting, attending sporting events and cheering for Notre Dame Football.

Tara Kreider

Tara keeps things running smoothly in the Accounting Department. She is responsible for purchasing, finance agreements, and making sure Agency bills are paid. Tara is always looking for new things to learn and is a hard worker.

In her spare time, Tara likes to paint and watch sports. She lives in Quarryville with her husband Frank. Together they have five children: Scott, Becca, Jordan, Kortnee, Dawson, grandson Jordy, dogs Zeke and Bibby and cat Oliver.

Holly Murray Kutz

It’s Holly’s deep caring about each employee and their families that helps her to make sound financial decisions as the CFO of the Agency. With Murray since 1978, she understands the impact of the decisions that control Agency’s value. Holly is responsible for reporting the financials to employees in a way that they are confident in the results.

Holly serves on the Ann B. Barshinger Development Committee to raise funds for patient support and is Chair of the Lancaster City Alliance Executive Leadership Team for Neighborhoods. She is on the Board of the Lancaster General Health Foundation and serves on the Business Advisory Hub for the Lancaster Chamber. Holly also supports the Schreiber Pediatric Center in several roles, including membership on the Rubber Duckie Race Committee.

When she has free time, Holly enjoys being anywhere there is water and traveling with her husband Dave to national parks. They live along the Conestoga with their “son” Tux, a very fluffy cat.

Hong Lam

Hong relies on her soft skills, determination, and ability to work under pressure to meet deadlines. To streamline her accounting workload and reduce Agency expenses, she relies on collaboration, challenges, and autonomy, the three favorite attributes of her job.

She volunteers at the Schreiber Rubber Duckie Race craft tent hosted by Murray. Hong can be found spending time with her family, reading the news, and visiting former professors, teachers, and friends. She is married with two daughters and lives in West Hempfield Township.

Beth Lamm, CISR

Beth grew up on a dairy farm so she has a thorough understanding of the agricultural industry and is not a stranger to hard work. Working with dairy farmers to help them select the best coverages is the favorite part of her work.

She likes to cook and garden in her spare time. She lives in York County with her husband Jason, their two children and two dogs Shelby and Barb.

Elizabeth Landis

Known for being organized and schedule-conscious, Liz is a team player who works hard behind the scenes.  Connecting with clients, brokers, and wholesalers, looking to obtain specific protections for Employee Stock Ownership Plan (ESOP) executives and the companies they serve, allows Liz to address each unique situation which she believes is paramount to offering outstanding service. 

Liz is a Board member of The Boettcher House Museum, located in Manheim Township’s Landis Woods Park, and chairs the Landis Woods Art Show Committee. She loves reading, chocolate, gardening, and visiting family in northern and southern California. Liz and her husband, Bob, live in Manheim Township with their two English Labs, Lucy and Gracie. Her bonus daughter, Brooklyn, lives in Clearwater, Florida.

Mike Lefever, CPCU

Mike oversees our healthcare organizations so they get the coverages and services they need. He uses his analytical experience to provide proper rating of policies, and his ability to provide documents in a timely way is invaluable to these clients.

Mike enjoys fishing, kayaking and vacationing at Outer Banks. He lives in Lancaster with his wife, Anita.

Vinh V. Lien

Vinh is responsible for commissions received on business sold in the benefits division so producers are compensated on the accounts they manage. Having great coworkers and look at numbers rather than reading words make his job easy.

He can’t live without his six daily espresso shots from Starbucks and collects watches so he can see “time fly”. Vinh and his dog, Coco, live in Lancaster.

Christine M. Lowry, CIC

Her commitment, integrity, and willingness to help, make Christine the right person to manage the Construction Services Team. Her patience and ability to truly listen also aid in her success to keep the department up and running.

Christine likes to take long, morning walks with her Golden Retriever Gracie while listening to podcasts. Other pastimes include gardening, cooking, and visiting the beach. Chris and husband David live in East Hempfield with Gracie their Golden Retriever, and Sully their cat. They have two daughters, Amanda and Erin.

Elena Luciano, CAP

Elena’s organization skills help keep the Agency running smoothly. As the person responsible for scanning mail and running the entire mailroom operation, Elena is a busy!

In her spare time, Elena likes to read, watch movies and babysit her grandson, Atlas. Her family includes husband Wilson, daughter Chazney (Atlas’s mom), son Eleazar and dog, Czia.  She is stepmom to Blanki and her children Sarai, Nehmias, Melissa and her children Lillyana and Anthony.

Kim Ly

Kim finds the various types of business in Pennsylvania to be amazing. Meeting and getting to know clients and what they do is how she helps businesses establish health benefits plans for groups under 50 employees.

She spends time with her family traveling and vacationing and enjoys watching C-dramas and K-dramas. Kim lives in Lancaster with her husband and two teenage daughters.

Part of the AP Benefits Team

Bobbi Lyden

Helping people, being honest, personable, and eager to learn are traits Bobbi brings to her clients and coworkers as she manages and services farm accounts.

Bobbi uses those same traits to coach youth softball and cheerleading as well as volunteer in other youth sports. She enjoys spending time with her family and watching her daughters play sports. She and husband Kris have two daughters, Kennedy and Stella.

Mary E. Lyons, GBA, CEBS, RPA

Mary has knowledge in multiple areas of insurance and builds strong relationships with colleagues to connect clients with the person who can best help them. She is an excellent listener who wants to help people accomplish their goals.

She is a member of the Murray Relay for Life team and is active in her community. Mary and her daughters, Monica and Katy, enjoy spending time together vacationing in Delaware.

Part of the AP Benefits Team

Anthony M. Macinanti, AFSB

Debra L. MacKnight, CISR, CPIA

Debby prides herself on personalized, high quality service for her clients. She analyzes personal insurance programs for coverage gaps and better pricing. Her genuine concern for their needs definitely shows.

She volunteers for the Chester County Emergency management Services. Her idea of fun is to go glamping, riding motorcycles with her husband Dean and going on cruises. Debby and Dean have two adult children Austin and Heather. They adore granddaughter Parker.

Gala L. Marshall

A true “people person” and good listener, Gala uses her customer service skills and medical knowledge to help clients, providers and other staff with medical claims. Her caring manner when talking to someone who has suffered an injury helps put them at ease.

Gala active as an usher at her church and also assists with helping care for homeless and hungry people. She loves to read, sing, and vacationing in the Appalachian Mountains in western Virginia. Gala lives in Ronks with her two cats, Miss Kitty and Mittens. She has two children and five grandchildren.

Jodi L. Martin

Jodi is part of the Agribusiness team. It’s her role to process endorsements, cancellations, renewals and update the Agency management system. She has a strong work ethic and cares about her work and that information is accurate.

She is a fanatic about exercise and healthful eating. Jodi loves the shore, boats, and wave runners. She lives in Lancaster County.

Thomas A. Martone

Being a loyal and trustworthy business partner contributes to Tom’s success managing sales and customer service for healthcare organizations to help them get the coverage they need. Tom’s previous experience helps him bring a business perspective to the challenges they face.

He’s a member of Civitas Lancaster (formerly Sertoma) and likes to golf and visit the shore. Tom and wife Kathy live in Millersville with their cat Jessica.

Dustin McComsey

Dustin is a big advocate for his clients on anything regarding claims and / or coverages. He prides himself on providing exceptional customer services and enjoys working with the awesome Murray claims team!

Reading and exercise are his healthy obsessions. He also likes to play golf and go to the beach. Dustin is married with two kids and lives in Lancaster.

Krista McGinley

Krista helps businesses and individuals obtain and maintain their insurance. Her strong communication skills, tenacity, consistency and ability to stay positive are appreciated by her clients. She enjoys her job, but most of all, values meeting new people and providing security and peace of mind for their businesses.

Krista is an active member of her PTO and likes taking on home improvement projects and shopping. She values spending time with family and friends. Krista and husband Mark, live in Schuylkill County with their son Collin and dog Coco.

Chantelle Melendez-Torres, CISR

Advising clients regarding their personal insurance policies and lending an empathetic approach to every situation allows Chantelle to find and maintain proper coverage.  Known for being a detailed note-taker, Chantelle keeps track of day-to-day activities and responds to clients promptly and effectively.

Chantelle is a walker believing that, to be successful in any industry, you need to take care of yourself physically, mentally, and emotionally.  She enjoys reading, playing chess, Dungeons & Dragons and Magic: The Gathering, and completes her living space with her two wonderful orange tabbies, Sherbert and Milo.

Karla Mengel, CISR

Providing commercial producers and clients with professional, personalized information and making suggestions with regard to their business insurance is Karla’s forte. She likes to make clients feel like they are part of the “Murray Family” by smiling through the phone and explaining coverages in a way that is easy to understand.

Karla volunteers at Hope Rescue Mission in Berks County and provides support to the AA Program. She likes long walks on the beach, cooking, reading, and listening to RUSH. She lives in West Lawn with her son, Ricky and grand cat, Morty.

Courtney Meyer, AFIS

Growing up on a dairy farm gave Courtney the ability to relate to challenges facing farmers. Her favorite part of the job is meeting farmers across several states and learning about their businesses. Courtney makes it a priority to help clients to be properly insured so they remain sustainable if they experience a claim or loss.

Courtney volunteers with several organizations but the two nearest to her heart are Pennsylvania Farm Bureau and Young Ag Professionals. She enjoys being outdoors as she finds the quietness and peace calming. Courtney lives in Loganton with her boyfriend, Kyle. They own beef cows, pigs, and a mini-donkey, Rodeo.

Dale L. Miller

Dale has a passion for insurance and helping people. This helps him ensure his clients are properly protected with the right coverage for the best price.

In his non-work time, Dale is a volunteer firefighter and likes listening to music and taking trips to the beach with his family. Melissa, his wife and their three teenage boys and daughter live in Ephrata with three cats and a dog.

Debra Miller

Multi-tasking, attention to detail, and strong interpersonal skills are the trifecta for Deb to provide administrative support to the Agency’s Chairman, President, and CEO and Administration team. She draws from 30 years of executive level experience working behind the scene with Board of Directors, corporate travel, project management, meeting planning and editing. Deb has the keen ability to stay calm under pressure.

Born to missionary parents and raised in Japan, Deb has a passion for helping others—currently serving as Murray’s United Way Campaign Coordinator and volunteer for Gigi’s Playhouse, Night to Shine, and Winter Overnight Women’s Shelter. She loves vacationing in Aruba, reading, hosting Japanese dinners in her home, and watching Major League Soccer (her son, Zarek, is a professional soccer player). Deb lives in Lititz with her husband, Tyrone. They have four adult children, Zach, Julian, Zarek and Anya, and six grandchildren, Brayden, Landon, Stella, Raleigh, Levon, and Cameron.

Sharon Miller

Talking to clients and having great coworkers are Sharon’s favorite parts of her responsibility for the day-to-day transactions to service and maintain policies. She is known for being personable, even-tempered and friendly.

She loves to bake and give whatever she makes to neighbors, grandchildren, and coworkers. She lives in Ashland with her husband Earl. They have three daughters, a stepson, six granddaughters, two grandsons and a cat! Sharon and Earl like to spend time with the grandkids and relax at their camper.

Shawn Miller

Shawn keeps safety first and foremost as he maintains Murray’s property and grounds. He has vast “fix-it” knowledge and does things in a thoughtful and organized way. He is good at problem solving and his persistence pays off!

When not fixing and maintaining, Shawn enjoys cycling and volleyball. He is past vice president of Healey Sports and Touring Club, and his hobbies include British car restoration and home projects. Shawn and wife Tammi have a daughter Healey and a grandpuppy Cooper.

Tammi L. Miller, SPHR, SHRM-SCP

Tammi considers her job the best job in the Agency. She considers her “customers” as the most talented employees an organization could have and considers it crucial that each one is respected and understood as a piece of the Agency’s puzzle. Solving problems for individuals, departments and the entire organization is a challenge she very much enjoys.

Tammi is a member of the Board of Schreiber Pediatric Rehab Center and Lancaster Society for Human Resource Management where she is also Treasurer. Her healthy obsession is ice cream because she likes fruit on top! Tammi is an avid reader, preferably on a beach in Jamaica. She is married to Shawn. Their daughter, Healey, is in her second year of grad school. Tammi and Shawn live in Lancaster with Jasper their pet rat and grand-dog Cooper.

Amy G. Mitchell, CIC, CISR

With years of experience in the insurance industry, Amy is known as a strong advocate for her clients. Because she believes in them, she works diligently and tirelessly to find the most comprehensive coverage at the best price.

Amy is the Chair of the Agency’s ESOP Awareness Committee and is active in various community programs. Amy’s husband, Mark, is a letter carrier for United States Postal Service. Her daughter is Director of Pennsylvania for the Alliance for the Chesapeake Bay working to bring businesses and farmers together to support their conservation and environmental goals.  Her son is attending medical school at University of Pittsburgh School of Medicine.   Amy and her husband live in Willow Street and are serious Dallas Cowboy fans. They have two precious pups and a big fluffy kitty named Dallas.

Katie Montgomery, AINS

Ingenuity, attention-to-detail, and reliability help Katie ensure the TPA claims system works as efficiently as possible for our workers’ compensation and liability adjusters. As supervisor to the claims administration unit, she oversees the team responsible for all of the day-to-day tasks that support our adjusting staff, from mail processing to maintaining compliance with state and federal reporting guidelines.

Katie loves cooking for a crowd and spends most of her free time cycling, reading, home-brewing craft beer, and enjoying the outdoors. Katie and husband, Zak, have a goofy Boxer named Gus and two trouble-making cats, Barley and Pliny.

Sarah Montgomery

Working well and efficiently under pressure are Sarah’s strengths. She is very detail-oriented and particular with strategy and correctness.

When not servicing customer accounts, Sarah is a member of the volunteer staff for Phoenix Assistance Dogs, a local service dog organization. She helps with training, events, program bulk orders, and raising puppies for the program. Sarah is currently training her own service dog, Mushu the Labradoodle, and is raising Plum the Chocolate Lab. She has a passion for animals. Sarah loves drawing, painting, and crafting and, in her downtime, paints pet portraits for her side business, Montgomery Canvas Creations. She lives in Columbia with her “hoard” of dogs—Mushu, Plum, and GSD/Golden Retriever Mix, Rugby—as well as her cat, Marbles, Ball Python, Kaa, and Bearded Dragon, Ani.

Tony R. Montgomery

Helping seniors 65+ to navigate their Medicare options and conducting employee seminars to help employers with Medicare insurance is Tony’s forte. He has the perfect personality for this role and enjoys meeting so many people!

Tony likes to fish in his spare time. He has three daughters aged 25, 23, and 21.

Located at our Urban Place Office, Tony is part of the AP Lititz Team.

Dan Monville, CISR

As a licensed agent for over 16 years, finding creative ways to problem-solve and keeping policies accurate and up-to-date are strengths Dan brings to work every day.  With a sincere desire to understand the needs of clients and co-workers, he is a good listener who has the keen ability to connect with those he serves.

Dan volunteers with Blessings of Hope in Leola, PA, packing food boxes for those in need. He and his wife, Marie, enjoy walking together as well as going on weekend getaways but Walt Disney World is their favorite family destination.  Dan plays drums, enjoys outdoor photography, and compiling videos of family trips.  They live in Lancaster with their blended family of six children and two dogs.

Marty Moser, CPIA

“Marty” has over 30 years of experience in personal lines new business sales and strives to help clients improve their insurance and save money.

She is passionate about volleyball and “serves” as the Mountain View Chapel volleyball coordinator. Marty is also a Sunday school teacher at the Chapel and volunteers for Miller Keystone Blood Drive and Tyler’s Ride. She likes vacationing in the Outer Banks. Marty and spouse David have two adult children, James and Danah.

Nina M. Mullins

When it comes to helping healthcare organizations, Nina uses her healthcare professional liability expertise to provide them with the coverage they need.

Nina’s spare time is for Orange Theory (five times a week!) and volunteering for the LCC mentor program and the Humane League. She and husband, Bryan Stanley, love to vacation in St. John. They live in Lancaster with children, Harper and Tucker, and Golden Retrievers, Max and Lily.

Crystal A. Munoz

Crystal creates digital platforms for Human Resource professionals and Employee Benefits coordinators to ease their burden of manual processes and paper forms. Her specialties range from onboarding and online enrollment to COBRA. She is known by her clients for her dedication and ability to ensure their needs are met.

In her spare time, Crystal is busy building her photography business and spending time with family. She is married to Luis and together they are raising five children and two dogs. Crystal is also a dedicated volunteer for programs her children are passionate about, from baseball and football to cheerleading and the arts. She currently serves as Youth Cheer Director and Head Coach for Warwick Youth Cheerleading. She is a childhood cancer survivor and strives to bring awareness to the cause, including being a member of the podcast “Mamas Against Cancer” and actively speaks at numerous Four Diamonds events.

Part of the AP Benefits Team

Marissa N. Murray

With over 18 years of professional experience in the healthcare industry, Marissa has a broad perspective having worked clinically as a Registered Dental Hygienist before transitioning to working for a large insurance carrier. She specializes in self-funded, complex employer groups where she develops strategic benefit designs and approaches for her clients.  Marissa is passionate in thinking outside the box by providing individualized and customized cost containment strategies and wellness programs to further improve the overall health of her clients’ employee base.

Outside of work, Marissa enjoys being with her husband and their four children. You can find her volunteering, cheering on her children, and soaking up every minute being Mom.

Part of the AP Benefits Team

Timothy M. Murray, GSP

Tim is responsible for providing quality risk control, safety training, and loss prevention services to agribusiness, construction, industrial, and a variety of general industry clients. He loves building and maintaining mutually beneficial relationships with those he serves.

When not working, you will most likely find Tim at the gym or on a golf course. He lives with his wife, Megan, in Eastern Lebanon County with their Boxador Zoey and Russian Blue Smudge.

Ryan E. Neff, RFC

Ryan provides leadership to the Health Benefits and Wealth Management Solutions teams.

In his position, Ryan is responsible for the oversight and management of the Benefits team which includes health benefits, human resource consulting, benefits administration and wealth management.

As a financial advisor and wealth coach for over 15 years, Ryan started Murray Wealth Management Solutions in 2003. The US Securities and Exchange Commission (SEC) Independent Registered Investment Advisory firm has over $125 million assets under management and continues to build.

He is a graduate of Shippensburg University where he earned a Bachelor of Science degree in Finance. He is active in the Manheim Sertoma Club and heavily involved in the Central Pennsylvania Juvenile Diabetes Research Foundation (JDRF) as a fundraiser and Board member. His annual Neff Invitational Golf Tournament, which he founded in 2003, has raised over $125,000 for JDRF and many other charitable organizations and causes.

Wendy Ney

Post-it notes are Wendy’s secret weapon to maintaining client relations by constantly following up on outstanding requests from both her customers and carriers. The favorite part of her job is working with the Construction Solutions team.

Wendy is married to a retired truck driver turned Uber driver. She has a daughter and two granddaughters, ages 4 years and 4 months, as well as a step-daughter, grandson and two amazing sons-in-law. Wendy is also a full-time caregiver to her 86-year old mother.  She is currently seeking the perfect rescue pet!

Andrew Nichols

Integrity, dependability, and a genuine heart for wanting to help others are how clients and coworkers define Andrew. He works alongside his clients and prospects to help identify potential business exposures while proactively seeking solutions to manage their tasks. Andrew likes meeting new clients and learning about their successes while helping them navigate new challenges.

Andrew is a member of Pennsylvania Restaurant and Lodging Association and serves as a Lancaster Chamber Ambassador. He likes to exercise and stay active skiing, biking, and hiking. Andrew’s hobbies include golf, lacrosse, cooking and spending time with his wife Kim, twin daughters Madeline Rose and Johannah Grace, and English Springer Spaniel, Riggins.

Patty Nolter

Patty’s outgoing personality makes her the perfect fit for her position greeting people and answering the phones at the Shamokin office.

She is active with the East End Fire Company. Patty is married to Jim and they have two kids – Jared and Chelsea and a Golden Retriever Cash and matching golden cat, Lennon.

Rebecca Nurse, CISR

Ensuring accuracy with her ability to easily see mistakes and errors, Rebecca provides her clients with excellent customer service.

She likes to take walks and visit favorite places that include Longwood Gardens, Hersheypark, Disney World and going to the movies. If she’s not in one of those places, you can always find Rebecca in a van down by the river.

Joe Olah

Joe has 23 years of industry experience ranging from Life, Annuity, Health, Property & Casualty insurances. Clients appreciate Joe’s versatility and experience with multiple lines of insurance to assist them with coverage questions.  He is meticulous in helping them understand their coverage.

Outside of work Joe is active with several non-profit organizations and enjoys muscle cars, comedies, music, firearms and local history.  He lives in Kulpmont, PA, with his spouse Jill.

Ryland Overly, GSP

Preventing incidents from happening to the best of his ability is the way Ryland helps his clients mitigate losses. He uses his problem-solving skills as well as his ability as an active listener to come up with solutions.

Ryland likes to work out and try different places to eat. He teaches Jiu Jitsu and practices yoga and is a weight lifter. He lives in Lancaster City with girlfriend Brianna and three cats.

Brian Owen, CPCU

Over 30 years of experience in claims, risk control, and policyholder services in the property and casualty insurance industry, including 15 years with a national insurance company, equip Brian with the knowledge and skills needed to manage Murray’s Client Services division. His objective is to ensure each client gets excellent service and receives the maximum benefit of their property and casualty insurance program.

Outside of working for Murray, Brian has been a volunteer involved in coaching kids’ sports, helping at a local mission, and with various Multiple Sclerosis Society events. He is a past President of the Central PA Chapter CPCU Society and has served on its Board. Brian enjoys running, cycling, hiking, backpacking and visiting State and National Parks. His daughter, Emily, is a special education teacher, and his son, Sam, is an electrical engineer. Brian currently resides in Mechanicsburg.

Jill L. Palmer, CISR

Twenty years of personal lines insurance experience and five-member team give Jill all that’s needed to go the extra mile for our clients!

Jill lives in Parkesburg with her husband, Roger, and two kids – Nick, and Morgan – along with Gracie (dog) and Miss Kitty (cat). Jill also keeps busy as a volunteer with her kids’ softball and baseball activities. She also loves to spend time at the beach.

Maureen A. Pfeiffenberger

Maureen partners with Human Resource and Executive teams to develop and manage their health and welfare benefit programs. She applies her 25 years of experience that includes strategy, cost management, compliance, participant engagement and education.

Maureen is active with St. Joseph Church. She likes to read (especially while at the beach), travel, and spend time with family. She is married with two children and resides in Chester County.

Part of the AP Benefits Team

Becky Preneau

Building strong, lasting relationships with clients, prospective clients, and co-workers allows Becky to effectively process renewals, endorsements, and audits as well as servicing all other requests. A genuine and insightful person, she goes above and beyond to assist her clients.

Becky’s healthy obsession is exercising and you will find her hiking and trail running. She enjoys furniture restoration, traveling, and spending time at the beach and mountains with family and friends.  Becky lives in Mechanicsburg with her husband, Nick, daughters Adelene, Margot, and their cat, August.

Bernice Quesenberry

Bernice values the relationships she develops while assisting companies with their insurance needs. She is a resource within the community who is willing to help people in any way possible by lending a helping hand. She lives, practices, and breathes the principles of honesty, integrity and honoring her word through her actions.

She is a Rotarian in the York Chapter and active in the Murray Relay for Life team. An avid runner, Bernice is a Board member and Event Specialist of York Road Runners Club, and enjoys being outside with her son Bryson. She likes to cook, hunt, and watch the Eagles. The family lives in York with English Springer Spaniel Rocky Balboa.

Richard M. Rankin, CIC

Rick’s role is providing leadership to the organization. For 40 years he has dedicated his career to Murray and the insurance industry. His open-door policy means every employee-owner’s voice is heard. He is supportive of the Agency and the staff as they grow, seeing the visible results of the support we give our clients and the community.

Cultivate Community is a core value of the Agency. Rick demonstrates its importance by actively participating on the Boards of the YMCA and the YMCA Foundation, Southern End Community Association, Lancaster Alliance, Lancaster County Conservancy and numerous insurance company advisory groups. His most favorite organization by far is the Slumbering Groundhog Lodge, and he plays an active role in the prognostications of Orphie every February 2^nd.

Farming, hunting and spending time with family and friends are all favorite pastimes. Keeping connected to his roots is important to Rick. He lives and works on his farm in Quarryville, which has been in the family for generations.

Rick and Vanessa, his wife, have three daughters and a growing number of grandchildren – up to eight! Everyone likes to gather at the farm along with all their animal friends, including dogs, horses, and a pony.

Jody Rapp

Jody has built relationships and gained the trust of clients by always going above and beyond and exceeding expectations. She is the go-to person for the CARE Program—handling renewal requests, changes to policies, and answering any questions that arise.

Jody’s health obsession is working out at the gym where you will find her 4-5 days a week.  She loves hiking with family and friends. Jody and her boyfriend, Kevin, live in Denver, PA, with their kids who they lovingly refer to as The Brady Bunch—Austin, Maddison, Lily, Liz, Cole, and their dog, Sadie.

Aimee C. Reinhart, AU, AINS

Responsive, friendly, and efficient are just three of the qualities Aimee brings to her role providing quality service to her clients. She is organized and enjoys her work helping them with any issues.

She helps to coach her son’s soccer team and walks her dog every day. Aimee’s favorite vacation is going to the beach. Family is husband Doug, son Brooks, daughter Brynn, and Shih Tzu-mix Cooper.

Sheri C. Riley, AAI

Sheri is responsible for growth strategies, sales development, branding and marketing. It’s her ability to see the larger picture for her clients that sets her apart. When not developing and executing new strategies to identify and deliver on the insurance business needs of Murray’s clients, she is mentoring other members of the team.

She admits to being obsessed with Broadway Theatre and volunteers for local theatre groups and the American Heart Association. Sheri loves to cook, read, travel and walk with Hobie (Australian Labradoodle). She and husband Steve live in Lancaster but spend time visiting their children and grandchildren, in New York City, Lancaster, Pittsburgh, and Denver, CO.

Stephen V. Riley

Steve is the Captive Executive for Communities Advancing Retirement Excellence (CARE). This program was formed in 2002 as an alternative for the provision of insurance and risk management services for not-for-profit retirement communities in Central Pennsylvania. Workers’ compensation, general and professional liability, automobile liability and physical damage coverages are underwritten in the program. Steve oversees the teams who provide services to meet the program’s goals of stabilizing rates and costs through risk sharing; encouraging excellence in risk management through event management and member commitment; and building an affinity between members through expansion of the resources available for management and employees to learn from each other and create targeted, cost-effective educational programs.

Cindy Rineer

Cindy’s experience at the Agency has made her versatile and prepared to help clients and coworkers in every way. She keeps the Quarryville office running efficiently and also assists with personal insurance policies.

She is involved in her church. Cindy, husband Larry, and Lambeau (four-legged child) recently moved to Quarryville. They have three children.

Debra L. Rineer

Debbie provides prompt, accurate, and courteous service to her clients. She worked for a mechanical contractor so she understands the needs of her customers. Debbie always has a cheery disposition and positive attitude.

She likes to spend time with family and friends – fishing at Rock Hall, MD and shopping at St. Michaels. She and significant other, Ken, live in Lancaster with Lilly their cat.

Brad W. Risch

Working with an amazing group of people throughout the organization is Brad’s favorite part of his role as controller. He uses his knowledge and understanding of accounting principles, Agency software and the ability to make tough decisions when necessary to carry out his everyday duties.

Brad is very involved in his community.  He is Chairman of the Board for VisionCorps as well as for LS Youth Baseball and Softball Association.  He is also Softball Commissioner and head coach for PSYBSA.  Brad has two daughters, Emily and Sydney, and lives in Lancaster.

Erika Rivera, CPCU, CIC, ARM

Erika is always willing to roll up her sleeves and help with anyone and anything. “That’s not in my job description” is not in her vocabulary. She has great attention to detail, extensive experience and good relationships with her clients. She is an integral member of the EPIC agency management system implementation team.

Volunteering with Friends of Music at McCaskey High School and Lancaster Daycare Center are ways Erika gives back to the community. She likes exercise of all kinds and loves to read – preferably at the beach. She and husband Pedro have two children, Lucas and Elena and a Bulldog, Evie.

Ommie Rivera

Connecting and protecting the data entrusted to the Agency is Ommie’s goal. He is passionate about technology and how it can be used to better serve our clients. That exuberance spills over to his team as they work together to solve any challenges encountered.

Ommie is a Board member of La Academia Partnership Charter School. His hobby is taking things apart, fixing them, breaking them, and improving them. He spends time doing whatever his sons, Oliver and Finnegan, are into at the moment. He, wife Jodie, their sons, and dog, Beezus, live in Lampeter Strasburg.

Marian K. Rohm, CIC, AU, AIS

Marian keeps busy managing and coordinating commercial lines for both new and renewal policies. She is skilled in underwriting and can analyze questions from policyholders, coworkers, and insurance companies. She is known for being a team player and caring about her clients.

Visiting nursing homes, walking and gardening are pastimes Marian enjoys. She has a son, Michael, and lives in Mechanicsburg.

Jill Root

Jill leads both the claims and risk management teams by integrating two highly specialized areas to deliver key results. Her team of highly experienced professionals assist our clients daily to prevent losses, promote a positive safety culture, providing claims advocacy & support services, as well as managing our clients’ claims from start to successful resolution via our TPA Services department. Jill works hard to provide her team with the valuable resources they need to effectively and efficiently accomplish their goals.

Jill stays fit through Bikram Yoga and active as a volunteer at her daughter’s school. Jill likes to take impulsive day trips to new places and traveling to Key West to see family. She has two children and two dogs and lives in Lampeter.

Janna Santiago

Janna’s enthusiasm and integrity, coupled with her sincere desire to provide outstanding customer service, helps her build trusting relationships with clients, prospective clients, and co-workers. Janna’s loyalty, attention to detail, and love for tackling a different project every day makes her the perfect team player.

Janna is a Yoga Instructor who loves practicing yoga, working out, taking nature walks, and cooking. She is a member of Lancaster Young Professionals, serving on their Community Service Committee. Her favorite vacation spot is Cancun, Mexico. Janna lives in Marietta with her son, Marz and pitbull, Suki.

Kimberly Santiago, COM

Kim is able to keep things organized so production runs smoothly and bonds get issued in a timely fashion out of Murray’s Sterling, VA office. She is highly organized and able to prioritize to keep production time minimal. Kim enjoys the fast pace of the office and is always busy with clients and underwriters.

When not at the office, Kim volunteers at Women Giving Back. She likes making quinoa “concoctions” for lunch and is an avid reader and thrift store shopper. Kim also unwinds through the peacefulness of Kerr Lake, VA. She and partner Brian live in Sterling, VA with their cat name Luna, and hope to add a dog to their family in the future.

Leah Scarsella

Leah assists clients with converting internal paper processes, such as benefits administration, payroll, HRIS, and onboarding, to more efficient digital processes. This includes configuring platforms, monitoring data and providing training.

Cooking, hosting dinner parties, and learning to pair food and wine are her favorite pastimes. She is a certified Zumba instructor and accomplished violinist. Leah loves to travel and is happiest near the water. Leah enjoys visiting her ‘home away from home,’ Ocean City, NJ, every summer with family. Her favorite destination abroad is Italy where she spent one college semester.

Part of the AP Benefits Team

Eugene V. Schmitt, CSP, ARM, CHST, CFPS

Thinking long-term and working to develop relationships helps Gene add value to organizations. Previously he worked as a safety coordinator so he understands the challenges, obstacles and roadblocks to creating and maintaining a safety culture.

Gene is a member of the Columbia Borough Fire Department and the Treasurer of Columbia Fireman’s Relief Association. He is the Assistant Scoutmaster of Boy Scout Troop 35. Gene and wife Angela live in Columbia. They have a daughter and two sons.

Beth Shaffer

Beth likes that no day is the same when it comes to preparing and executing surety bonds for contractors and other construction entities. She will tell you there is no time for complacency when providing financial guarantee that contracts will be completed according to agreements.

In her spare time, Beth, her fiancé Jeremy and their blended family of Tyler (E3 in PA National Guard Army), Logan (aspiring professional golfer), Gavin, and Beckham love to go to the river or beach. When not on the water, they spend time at local dirt racetracks. Beth loves baking, dabbling in wood crafts and spending time with English Bulldog Marlee and American Bulldog/Lab Mix, Riglee.

Steffany Sheeler

Steffany has 14 years of experience in the insurance industry. She draws on her experience to assist customers with their personal insurance. She has a positive attitude, a strong work ethic and is empathetic to her clients’ coverage needs.

When not helping clients, Steffany can be found volunteering for Zoe’s House, a dog rescue group in Sinking Spring. She is passionate about rescuing dogs and Daisy (Yorkshire Terrier) and Bowser (Schnauzer Yorkshire Terrier mix) along with her spouse complete her family.

Samantha Shiner

Having started at Murray as Administrative Assistant in Licensing and Compliance, Sam has industry knowledge that is unique and helpful in her role as Account Manager.  She works closely with clients by answering their questions and making changes to policies, drafting proposals, reviewing renewal quotes, and working with carriers. Sam is a fast learner and great team player—always willing to help out where needed.

She is actively involved in Arch Street Center and supports their mission of helping adults living with mental illness in a judgement-free zone. Samantha likes to learn about different cultures by traveling and hosting foreign exchange students. She lives in Lancaster City with boyfriend Mike and cat Harper.

Reginald Shubert

Reginald is a results-driven construction safety professional with safety and risk management experience covering high risk exposures.  Having experience as a journeyman, coupled with his expertise in implementing and monitoring safety programs, makes Reginald invaluable in understanding the hazards associated with high risk construction activities. He has the keen ability to simultaneously train clients’ employees, review, reinforce, and support safety policies, with multiple prime contractors, which aids in promoting safe work environments.

Reginald enjoys fishing, motorcycling, and track and field.  He gives back to the community by coaching a youth track and field club for ages 7-19 and chairs Unchartered Waters LLC—a non-profit that introduces disadvantaged youth to the water sports world of fishing, boating, and swimming.

H. Brandon Shuman, CIC

Excelling at mentoring coupled with 18 years of insurance industry experience give Brandon the ability to manage a diverse sales team. Working directly with Murray’s commercial clients has helped him gain a keen understanding of the risks they face along with the insights into developing comprehensive insurance and risk management solutions to protect them. Brandon makes difficult insurance concepts understandable and relatable to his clients, who trust him to safeguard their businesses.

Brandon actively serves his community and industry through work with the Lancaster Chamber of Commerce, The Southern Lancaster County Chamber of Commerce, York County Economic Alliance, MANTEC, and the Manufacturer’s Association. He lives in Landisville with his wife, Lori, their blended family of Marisa, Maya, and Addison and their Boxer, Daisy.

Kristine K. Simmons

Creative is how most people would describe Kristine’s work throughout the Agency. She is also known for being positive and bringing her “can-do” attitude to every assignment. Kristine enjoys the variety of projects that come her way as well as getting to know each person she works with.

She serves on the Board of the Arthritis Foundation and is a volunteer for the American Cancer Society. She is obsessed with anything that gets her by the water to enjoy sunshine. Her husband, four kids – with school and sports activities – and her two cats make for busy times! The whole family cheers for the Pittsburgh Steelers.

Chad W. Sload

Chad helps his clients by managing their benefit renewals, making sure they are compliant with regulations, and helping to educate employees on their benefits. He is able to relate to and understand people from all walks of life. Be not being overly reactive to negative situations, Chad is good at assisting clients with challenges.

He frequents the gym infrequently and likes to golf and hike. Chad recently married his new spouse, Sarah, and he has a 15-year-old son, Gavin, and a 10-year-old daughter, Stella.

Part of the AP Benefits Team

Sarah Furman Smith, CISR

Sarah is dedicated to her work handling the day-to-day activities of her construction clients using her eye for detail to make sure everything is as it should be. She is known for her positive attitude and outgoing, friendly personality.

Since walking is her healthy obsession, it’s a natural fit that she participates in the annual Cystic Fibrosis and Multiple Sclerosis fundraising walks. Sarah likes to spend time with family, watch sports – especially the Philadelphia Eagles – read, and vacation on the beach. She and husband Ryan live in New Cumberland.

Nicole Snavely

Nicole wants people to have success in their lives personally, professionally, and financially. She listens to what is important to her clients then supports them by helping to set their financial goals.

When not in the office, Nicole coaches soccer at her son’s school. She also likes to run, play soccer and use her Peloton. Another pastime of Nicole’s is to find fun, interesting recipes that are healthy but you would not know it! Nicole and her boyfriend live in Elizabethtown with two sons, Henrik and Grant, and two dogs, Kobe and Jiya.

Suzanne Sollenberger, CPIW

Suzanne has years and years of experience helping clients with their claims, and the favorite part of her job is getting them good results! Her claim resolution knowledge helps her work out issues between clients and carriers.

Suzanne likes spending time at the beach, traveling and working in her flowerbeds. She has two adult sons and lives with Joe, her significant other in Harrisburg.

Lisa Sostar, CISR

Lisa helps people protect their hard earned assets by discussing their needs with regards to their insurance. She reviews current policies for gaps or shortfalls in coverages as well as helps them save money by making sure they are getting the best coverages at the best price. Helping anyone with a project whenever she is needed is Lisa’s motto.

Lisa volunteers at The Last Dog Rescue, York County SPCA, York County Food Bank and Our Daily Bread. She loves swimming, people watching, and traveling – especially to Aruba. Lisa and her husband Roger have two sons and a daughter, three dogs, and a cat.

Gina Spencer, CPIA

It doesn’t take long to know Gina is a people person and the favorite part of her job is interacting with her customers. She uses her knowledge of insurance to help them reach their coverage goals.

When not working with clients, Gina can be seen driving her 1964 Plymouth Barracuda. She and husband Ray and Boston Terrier, Tucker live in Strasburg. They have two daughters, Angie and Kelly.

Lisa Spencer, CIC

Lisa leads a group of sales and service individuals who provide unmatched customer service while growing the Personal Lines Solution. She has 38 years of experience working in most facets of the insurance industry.

Travel is Lisa’s passion, but she also enjoys walking, biking, and reading. Her husband, Dennis, is a retired, 45-year veteran of insurance. They live in Lititz with Romeo and Asti, Coton de Tulear dogs.

Carrie D. Squibbs

Murray risk control specialists are always busy and rely on Carrie to assist them. She is adept at keeping them in check!

Carrie likes making new things look old by refinishing furniture. She enjoys vacations at Surfside Beach, SC with her family: husband Scott; sons Michael and Tanner; and grandson Jackson. She and Scott live in Marietta with dogs Sam and Gracie.

Stacey L. Starnowsky

Stacey manages multijurisdictional worker’s compensation claims for self-insured employers and clients with a captive program. She has years of experience and is good at multitasking and managing interpersonal communication for both good news and bad news. She feels rewarded when successfully assisting an injured worker through the recovery process.

She is active on the Relay for Life team of Perry County and attends Salem United Methodist Church. An avid equestrian, Stacey enjoys the outdoors and spends time boating and fishing. She is married to husband Jeff and they have three grown children, two grandchildren, two horses, and a dog.

Debbie Stoltzfus, CIC, CISR

While Debbie has plenty of experience and education in personal lines, she’s always willing to learn more if it benefits her clients. She works hard to maintain the relationships she has developed with her customers.

Debbie stays healthy by eating a low carb diet. She enjoys reading and crafting and resides in Kenhorst, PA.

Annette M. Stone

Meeting client expectations and communicating well is how Annette excels at managing workers’ compensation claims. She works closely with her clients for proactive claims management and with defense counsel for claims in litigation and management settlement attempts.

Fishing in Canada, gardening, walking, and swimming are some of the activities Annette enjoys. She is married with four kids, six grandkids, and two dogs.

Judy L. Stoner, CISR, CIC, AFIS

Judy works with her team to place insurance coverages and provide customer service to her clients. She is valued for her willingness to help wherever she is needed and enjoys collaborating to get things done. Knowing she helped someone with a question or a challenge is her reward.

Reading about the benefits of specific foods in relation to health and wellness then incorporating that into her family’s routine is a new found healthy obsession for Judy. She also likes reading, cooking, baking, and spending time with her family. She and her husband have two children and a dog.

Harold M. Swarr

Building trust with his clients by trying to meet their needs with the best pricing/ coverage combination he can provide, is Harold’s goal. Working with his clients and the Agribusiness team at Murray is the favorite part of what he does.

Harold and wife Nancy have eight children, three dogs, and a rabbit. They are members of Westminster Presbyterian Church in Lancaster and like to vacation in Ocean City, Maryland.

Lauren Swinehart

Managing the Administration team and supporting the EVP of Human Resources by handling the day-to-day operations of the HR Department makes Lauren a critical part of Administration and keeps her busy.  She is also responsible for working through difficult licensing and compliance issues. Her ability to multi-task makes her the ideal team leader.

Lauren supports the community by promoting local businesses and participating in holiday food drives.  She is a fan of couponing and DIY projects, especially redoing furniture.  Lauren lives in Conestoga, PA.

Ruth Tetlow

Passion for people and a sincere desire to assist others makes Ruth ideal to guide, educate, and problem-solve the insurance needs of her clients.  With over 32 years of industry experience, Ruth’s compassion and caring spirit make clients immediately comfortable working with her.

Ruth is involved in her community and church.  She enjoys walking, biking, gathering with family and friends, traveling and spending time at the beach.  Ruth and her partner, Jere, have a blended family with Amy, Grace and three grandchildren, Bella, Aubree, and Finley.  They live in Lancaster County with their fur babies Mickey (Yorkie), Rooney (long-haired Doxie), and Minnie the Cat.

Lily Tosado

Knowledgeable and dedicated are two of Lily’s important attributes. Timeliness is another as she ensures billing is appropriately processed and paid within the state-mandated time frame. She also maintains excess policies and manages the claims management database.

She is married to Jose, and they have three adult children. Since becoming empty nesters, they enjoy walking their three dogs, Princess, Bella, and Ottis. This gives them the opportunity to connect with their neighbors and invite them over for dinner parties.

Beth Waldeck, AIC

Beth is an advocate for her clients working through a claim. Her focus is helping clients know what to do in the event of a claim and to manage the process for the best outcome. These skills make her the person you want walking through the process to resolution.

As an equestrian, Beth is equally adept as a teacher and trainer. Horses are her passion! Outside of work, her life is ruled by four-legged tyrants.

Kimberly L. Warner, CPIA, CPIW

Kim treats all her clients with the respect they deserve and every client is important – no matter the type or the size of their business. She enjoys providing coverage for challenging accounts and finds it gratifying when her clients appreciate the hard work that is involved. Coworkers know Kim to be trustworthy.

Kim volunteers with her church’s “serve out” program and Schreiber Center for Pediatric Development. She likes flower gardening as a way to relax and relieve stress. Kim also finds antiquing with friends and finding that perfect gift or treasure a rewarding experience. She spends time at ball games and soccer matches watching her four grand boys and takes motorcycle rides with her husband Mike. They live outside Millersville with horse Misty, and a pond full of fish and frogs.

Taisha Wayne, FSCP

Taisha has made a niche helping clients regarding wealth transfer, business succession and estate planning, and the importance of protecting their assets with property and casualty insurance. She cares about each client and their unique circumstances, and she cares about the company she represents.

In the community, Taisha is active as Vice President of the PTO and is a member of the Ladies Ancient Order of Hibernians. She spends time practicing yoga, reading and traveling. She lives in Frackville with her husband Brian and daughters Teagan and Lillian and dogs Kya and Remi.

Taylor Wenger

Taylor realizes no one wants to have a claim, but she makes sure the process go as smoothly as possible. She is a strong advocate for claims services on behalf of Murray’s insureds and has a willingness to help in any way beyond her job title.

When Taylor isn’t helping her clients, she spends time reading and enjoying beach vacations in Avalon, New Jersey. Taylor lives in Lancaster.

Scott Wengrenovich, AU, AINS

Building new relationships and strengthening existing ones is where Scott excels. His competitive personality coupled with his extensive network and expertise of insurance is beneficial to his clients.

Scott attends Reality Church in Lancaster and serves on the Board of Directors of American Subcontractors Association. He is a member of Workforce Development Committee and Young Professionals Committee at ABC Keystone. Scott is an avid hunter who also enjoys golfing and spending time at their family cabin and Delaware beach house with his wife Emily and daughters, Blake and Elle. They live in Centerville.

Debby K. Whary, CISR, CPIA

Service, service, service – customer needs are always a top priority for Debby. She knows her clients’ requirements for both personal and business coverages. Her customers rely on her dedication and knowing their priorities.

Debby is active with the Halifax food bank and works to support the Cerebral Palsy Association in her area. She enjoys antiquing, gardening, and spending time with her six grandchildren. Debby is married and has a daughter. She and her husband live in Halifax on nine acres of mountain land.

Suzanne White, CIC, CRM, CRIS

Suzanne is adept at building and maintaining partnerships as she takes care of the ongoing management of her commercial clients. She loves a challenge that results in an accomplishment.

When not helping her clients, Suzanne is on the Zoning and Hearing Board for Mt. Holly Springs. She is also treasurer of the Amelia Givin Library. She and husband Steve train and judge dogs. They live in Mt. Holly springs with five large dogs and one brave cat.

Matthew Wiggins

Matt knows that if we are contacting the Help Desk, it’s probably not because we are having a good day! He is adept at understanding the individual needs of his coworkers and how to best solve their issues, and he uses some moments to teach when possible.

Outside the office, Matt enjoys fixing various machines, vehicles, home projects and anything electronic. He likes to watch Philadelphia sports – mainly Phillies, Eagles and Flyers – and Lancaster Barnstormers. Matt also likes to go to the mountains to “disconnect” from technology for a while. He and wife Amy and their three kids live in Manor Township.

Maureen Williams-Hughes, CISR, CPIA

As an account manager for commercial lines in the Quarryville office, Maureen likes to interact and help her customers. She is adept at working by phone and forms bonds with clients easily.

When outside the office, Maureen likes reading, spending time with family, and taking their 1969 Camaro Z-28 to car shows. She is married to Jeff and they live with Bella their long-haired Dachshund in Quarryville.

Beth A. Winter-McGarry, CPCU, CIC, CPIW

If Beth doesn’t know the answer to a question, she does know where to get it. Clients value her resourcefulness in managing their day-to-day insurance needs. Beth pays attention to detail and reads all those policy forms so she has vast knowledge of insurance and stays familiar with her accounts.

Once a month, Beth volunteers at Trinity Lutheran Church’s breakfast fellowship where a hot meal is served to anyone who comes in. She also prepares income taxes for the United Way’s VITA program. Beth has visited 46 states, feet on the ground, done something in that state and not just driven through! She is married with two daughters that required two trips to China to bring them back when they were infants. The family lives in West Hempfield.

Lisa M. Yelovich

Experience, insight and the ability to see a situation from all sides are what makes Lisa an asset to claims management. She is skilled in communication and negotiations, and maintains a keen interest in mediation and resolution processes.

Lisa loves her local school community, serving as Board Director of Octorara School District. She is active in the Music Department at Octorara High School and regularly volunteers with instrumental and choral groups. Lisa likes to travel with her children and boyfriend, and they share her love of the arts and music, from classical and bluegrass to rock, pop and heavy metal. Lisa and her family reside in the beautiful Amish farmlands of western Chester County.

William S. Young, CPCU, ARM, SPHR, SHRM-SCP

A Risk Manager in a previous position means Bill has first-hand knowledge of how to make sure his business clients have the right coverage for their organizations. Having held the responsibility of insurance buyer, he understands the need to meet budgets and achieve financial goals while supporting the mission of an organization. Bill focuses his practice on health and human services and is well versed in designing insurance plans for 501(c )3 nonprofit organizations.

Bill is Past President of the Central Pennsylvania Chapter of the Risk and Insurance Management Society and the Pennsylvania Dutch Chapter of the CPCU Society. He currently serves on the Lancaster SHRM Governmental Affairs Committee. He volunteers for a variety of agencies that serve children and youth. He is the Board Chair of the Occupational Development Center and the Ephrata Recreation Center. Bill lives in Ephrata with his wife Wendy and three sons and two dogs, Doug the Pug and Martin, a rescued greyhound.

Michelle C. Zunner, CISR

Michelle started as Receptionist and gained a variety of experience throughout the Agency before joining the agribusiness group. She likes working with her clients and team where she helps out in any way needed.

Reading and hiking are Michelle’s favorite pastimes. She participates in 5K Mud Runs to raise money for local non-profit organizations. She is happiest when at the beach. Michelle lives in Denver, PA, with her daughters Devin and Cassie, dog Daisy, and cat Avery.