About Us

J. Carson Evans - Partner

Carson is a Lexington native and a graduate of Lafayette High School and Miami University, Oxford, Ohio. He has more than 30 years of company and agency insurance experience. He is an alum of Leadership Lexington, a member of Second Presbyterian Church, the Rotary Club of Lexington, and the Kentucky Civil War Roundtable. He and his wife, Lida, have three children, Joe, Anne and Jack.

Paul T. Ferrell - Partner

Paul is from Lexington and graduated from Tates Creek High School and the University of Kentucky. He has more than 25 years of insurance experience and is a Certified Insurance Counselor (CIC). Paul is a retired Lt. Colonel in the U.S. Army Reserves, a member of First United Methodist Church, and past president of the Lexington Lions Club and the Independent Insurance Agents of Lexington. He and his wife, Laura, have two children, Taylor and Kalin.

James H. Martin, CPA, CIC -

Jim is a Lexington native and graduate of the University of Kentucky. His background in public accounting involved accounting/taxation services to the construction industry. While his specialty is surety, he is also a full-service provider of all insurance products and is a Certified Insurance Counselor (CIC). Jim is active in many construction-related organizations. He is married to Lori Chiara and has three children, Hannah, Haley and Ross.

John Coody - Associate

John is a 1999 graduate of Asbury College. He has a decade of experience in the insurance industry and has earned the CPIA (Certified Professional Insurance Agent) designation. He is active with both the Greater Lexington and Jessamine County Chambers of Commerce and is a member of the Nicholasville Rotary, Toastmasters, TNT and Southland Christian Church. He particularly enjoys spending time with his son, Jacob.

Karen Gowens - Client Service Representative - Personal Lines

Originally from Plant City, Florida, Karen has lived in Lexington for the past 14 years. She and her husband, Michael, have 5 children, Amber, Bradley, Ashley, Jared and Bethany. Karen has been in the insurance industry for a decade and has earned a Certified Insurance Service Representative (CISR) designation and has experience working in both commercial and personal insurance. For relaxation, she enjoys knitting and watching her children play sports and playing with her grandchildren.

Mary Kiihn - Client Service Representative - Personal Lines

Mary is originally from Warren, Pennsylvania. She has 32 years of insurance experience and has earned a Certified Insurance Service Representative (CISR) designation. She is a member of The Grace Baptist Church. She and her husband, Don, have two daughters, Marla and Jona, and 5 grandchildren. Mary and Don live in Winchester, Kentucky.

Dorothy Link - Receptionist

Dorothy is originally from Chicago, Illinois. In her early days she was the singer with a touring band and she still enjoys travel. She has been with our office for almost 25 years. Dorothy is married to R.F. Link and has two children, Cynthia and Stephen.

Theresa Richardson - Client Service Representative - Commerical Lines

Theresa is originally from Louisville, KY. She has over 25 years of experience in both company and agency operations and has earned both the Chartered Property Casualty Underwriter (CPCU) and Associate in Underwriting professional designations. She is past president of the Bluegrass CPCU chapter, and is active in Aikkido with her husband David, and children, James & Erica.

Joe Evans - Associate

Joe is a native of Lexington and is a graduate of P. L. Dunbar High School and DePauw University where he lettered in both Cross Country and Track. In addition to his work at Cambridge insurance he serves as an assistant coach of the Dunbar Cross Country Team. He is also a member of Second Presbyterian Church and a University of Kentucky Fellow.