WSMT Insurance was founded in 1969 under the original name of Ward & Bosely Insurance. Since then, with the additions of N. Richard Scarborough, Dick Molinaro, and Kevin Thrailkill, the company name was changed to WSMT, Inc.
In 2014, BB&K of Maryland, Inc. purchased WSMT, and brought their experience and resources to this Harford County Maryland mainstay. Today, the agency continues to provide the personal, face-to-face approach of dealing with people that has marked its beginnings. WSMT is located in Bel Air, Maryland. In 2017, BB&K of Maryland, Inc. proudly welcomed the clients of the Dean Insurance Agency, Inc. Our combined agency force now represents over 6,000 clients in the tri-state area.
Mission & Values
We are committed to providing our clients with more than just a policy. Through customized risk management solutions, client education and ELITE service, we go beyond the sale to offer a 365-day approach to insurance.
WSMT Insurance is founded on the following core values that have given us staying power throughout the decades:
- Provide elite service to our clients
- Build solid client relationships
- Protect client assets with superior products
- Secure the best markets and products available in the market place
- Provide the best staff available through ongoing education and experience
- Educate our clients on risk exposures through personal counseling
- Always act with integrity and uphold the highest ethical standards
- Service will never be compromised by sales
- Sales will never by compromised by service
- Give back to the community through support of local charities
Our goal is to provide clients with more than just a policy. Through customized risk management solutions, client education and ELITE service, we go beyond the sale to offer a 365-day approach to insurance. We know that you have the freedom to form business relationships with whomever you choose, which is why our service standards are defined as ELITE:
E nthusiastic approach;
L isten carefully;
I mmediate response;
T houghtful solution;
E xceed expectations.
Martin E. Bramhall – President
Marty is the President and CEO of WSMT Insurance. He attended Goldey-Beacom college in 1984. He began his insurance career in 1984 at his father’s agency as an advisor. In 2003 he purchased the agency from his father. Recently he sold his first agency and currently oversees all aspects of WSMT Insurance as well as maintains Carrier Relationships and acts as Sales Manager.
He has served on several Agency Councils, including Main Street America, Selective, Ohio Casualty and Harford Mutual. He also served as a Board member of the Independent Insurance Agents of Delaware from 2003-2007. Marty is currently serving on the Board of Directors for the Cancer Support Community of Delaware. In his spare time, Marty enjoys golfing, fishing and traveling.
Denise Kozel CIC, CPCU – Vice President
Denise Kozel began her career in the insurance industry in 1987. During her career she has held positions on both the Agency and Company side. In 2003 becoming an agency principal. She is currently the Vice President of WSMT Insurance and is responsible for overseeing the day to day operations of the Agency.
She earned her Bachelor of Science Degree in Marketing from Towson University in Towson, Maryland in 1987. She went on to receive the Chartered Property and Casualty Underwriter (CPCU) Designation in 2002. In 2011 earned the Certified Insurance Counselor (CIC) Designation. She enjoys playing golf and spending time with her family.
Alex started in the insurance industry in 2010 following experience in banking, recruitment and non-profits. He started his insurance career in customer service working in personal lines and is now a Personal Lines Account Manager and Producer. Alex is a graduate of the University of Wolverhampton (UK) where he earned a Bachelor’s degree with honors in Politics and has various certificates in Religious Studies. In his spare time he likes to play golf, travel and would consider himself a “foodie”. Alex & his wife Raquel also are the Lead Pastors of a non-denominational volunteer led church they started in 2010.
Jimmy graduated from Pfeiffer University in 2010 where he played NCAA Division II lacrosse, and also holds an MBA from the University of Baltimore. Before starting at WSMT, he spent 5 years at IT staffing firm TEKsystems as a Market Research Analyst. Jimmy is excited to break into an industry where he can be of service to the community he has been rooted in for over 20 years. When not at work, you can find Jimmy out on the golf course as well as working out and traveling with his wife, Kay.
Rob began his career in the insurance industry in 2010 following extensive experience as an environmental, health and safety engineer. Prior to joining WSMT, Rob served as a commercial insurance risk advisor with a local financial institution and was the managing partner of a risk management consulting firm. As a trusted insurance advisor and risk architect, Rob’s wealth of knowledge gives him the tools to work intensively in the development and implementation of proactive risk management strategies and solutions. In addition to advising clients on managing risk, Rob provides insurance consulting and alternative risk financing solutions to a wide variety of privately held businesses with operations in the transportation, commercial contractors, construction, manufacturing, wholesale distribution, professional services and technology industries. Rob graduated from Muhlenberg College in 1993 where he played NCAA Division III soccer, and later earned his master’s degree in environmental engineering from the University of Virginia. He enjoys spending time with his family, church, playing soccer, fitness, hiking and traveling, and has also competed in marathons and ironman triathlons.
Ryan graduated from Towson University in 2012, where he graduated with a Bachelor’s degree in Philosophy, and has been a Harford County resident since 2014. He is excited to join the team at WSMT and build lasting relationships within the community. Prior to joining WSMT, Ryan spent time with Rosedale Federal in Harford County as a teller, and Staples Business Advantage as a Commercial Account Consultant. Ryan is an avid hockey player and fan, and enjoys watching the Orioles with his wife, Sarah.
Patty joined the insurance industry in 1986, and has spent her entire career in the agency side of Commercial Lines. She joined WSMT Insurance in 2002 and currently serves as Commercial Lines Account Manager. Patty has completed the requirements for the Associate in General Insurance designation (AINS), Certified Insurance Service Representative designation (CISR), and Certified Insurance Counselor designation (CIC). In her spare time, she enjoys cooking, football and spending time with friends.
Geraldine Hughes CISR
Gerry has over 45 years’ experience in the insurance industry which involved personal and commercial insurance for both insurance companies and agencies in New York, Alabama and Maryland. She has resided in Maryland since 1980 and been employed by both Ward & Scarborough and WSMT Insurance as a Commercial Lines CSR and currently serves as the Commercial Lines Quality Control and Account Manager. She obtained the CISR designation in 1991 and was named the Maryland Customer Service Representative of the Year in 2000 by the Independent Agents and Brokers. In her spare time she enjoys gardening, watching sporting events, traveling and spending time with family and friends.
Barb started in the insurance industry in 2015 following careers in the computer and healthcare industries. She started her insurance career as an underwriter in surplus lines and is now a commercial lines Account Manager. Barb is a graduate of the University of Maryland where she earned a degree in Information Systems and Business Management. She is continuing her education, studying to earn her Certified Insurance Service Representative designation (CISR). In her spare time, Barb loves to travel, enjoys hiking, and having fun with her family and friends.
Kathy joined WSMT in March 2009 in the Accounting Department and is now transitioning to Personal Lines Insurance. She obtained her Property & Casualty License in February 2014. Kathy earned a Bachelor of Arts from Randolph-Macon College in Business/Economics. Prior to joining the insurance field she had over 10 years of experience in the 401(k) field. She enjoys spending time with her family, exercising and relaxing at the beach.
Nicole Nowak joined WSMT Insurance in 2017. Prior to joining the insurance agency, she was in the banking industry for 11 years. Nicole lives in Harford County, Maryland with her husband and spoiled pup. In her spare time, she enjoys traveling, crafts and the outdoors.
Vicki Estep has been in the insurance industry since 1995. Her career began as a receptionist and quickly moved to customer service and then to personal lines advisor. Vicki and her husband Russell are in Ministry and lend helping hands to several churches in Maryland and in Pennsylvania. In her spare time she loves to cook, read, and spend time with loved ones.
Donna started as a secretary in the insurance field in 1988 and later obtained her Property and Casualty Insurance license in 1990. She has serviced personal lines accounts with Dean Insurance for over 20 years. She is a lifetime resident of Harford County.
COMMERCIAL LINES PROCESSOR
Sharon joined WSMT Insurance in 1988. She has a BBA from Stetson University and 26 years’ experience in the insurance industry, both in personal and commercial lines. Retired in 2011, Sharon returned to work part-time in commercial lines, processing endorsement requests and certificates of insurance. Sharon holds a license in Property & Casualty and Life & Health Insurance. She enjoys spending time with her grandchildren and in her craft room.
Terri began her insurance career in 1982 and joined WSMT Insurance in 1993. In addition to being a licensed Property & Casualty Agent, Terri handles the bookkeeping for the agency as well as the in-house information technology needs. When she’s not working she enjoys spending time with family, mountain biking, swimming and golfing.
Rebecca Brogan ACSR
COMMERCIAL LINES ACCOUNT TECHNICIAN
Rebecca began her career in the insurance industry in 1999. She joined WSMT Insurance as a Commercial Lines Agent in 2012 and currently serves as the Agency’s Renewal Account Technician. She earned her Bachelor of Arts Degree in Education from York College of Pennsylvania in 1997. She is licensed in Property & Casualty and Life & Health and holds her ACSR designation. She enjoys reading and watching movies. She currently resides in Glen Rock, PA.
COMMERCIAL LINES ACCOUNT TECHNICIAN
Michelle joined WSMT Insurance in 2013 as the Administrative Assistant. She obtained her Property & Casualty License in October 2015 and is now transitioning to Account Technician for Commercial Lines. Michelle holds an Associate of Applied Sciences degree in Computer Information Systems. In her spare time, she enjoys traveling, cooking, reading, working out and spending time with her loved ones.
PERSONAL LINES ACCOUNT TECHNICIAN
Vicki is a Personal Lines Account Manager and Quality Control Technician. She has been in the insurance industry since 1990. She received her ACSR designation in 2003 and her CISR designation in 2010. She enjoys spending time with her family and traveling.
Danielle graduated from C. Milton Wright High School in 2014 and is currently attending Harford Community College. Prior to this job at WSMT, Danielle had over 3 years of experience working in a customer service role. In her spare time Danielle enjoys spending time with her family and friends.
Miranda graduated from Harford Technical High school in 2012, and since then she has had over 6 years of customer service experience prior to working at WSMT. In her spare time Miranda is an avid portrait, and wedding photographer and loves to spend time with her friends and family.
Bev has been a member of Dean Insurance since 2014, she is an administrative assistant with a background in banking. In her free time she loves to read and cook and spoil her two grandsons.