About WSMT Insurance
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 Bramhall CIC, CPCU – Vice President
Denise 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”.
Jimmy Dyches CIC
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 loves working in an industry where he can be of service to the community he has been rooted in for over 20 years. Jimmy is an avid cyclist and golfer, and enjoys traveling with his wife and daughter.
Patty Gangl CIC
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.
Nicole joined WSMT Insurance in 2017 following her 10 year career in the banking industry. She started her insurance career in personal lines and transitioned to commercial lines in 2020. Nicole is a lifetime Harford County resident, and currently resides in Abingdon with her husband and two dogs. She enjoys the outdoors, spending time with loved ones and crafting.
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.
Kathy joined WSMT in 2009 in the Accounting Department. In 2014, her role transitioned to a Personal Lines Account Manager. 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, yoga, exercising, volunteering and relaxing at the beach.
Danielle Huber CISR
Danielle joined the WSMT family in August 2016. Prior to this job at WSMT, Danielle had over 3 years of experience working in a customer service role. She obtained her Property & Casualty License in July 2018 and her CISR designation in 2020. In her spare time, she enjoys spending time with her family and friends.
Miranda is a 2012 Harford Technical High School graduate. She joined WSMT Insurance in 2018. In her spare time Miranda is an avid portrait, and wedding photographer and loves to spend time with her friends and family.
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.
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.
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.
Rebecca Brogan ACSR, CRIS
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 Commercial Insurance Quality Control. 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 and CRIS designations. She enjoys reading and watching movies. She currently resides in Fawn Grove, PA.
Michelle Davis CISR
COMMERCIAL LINES ACCOUNT TECHNICIAN
Michelle earned an Associate of Applied Sciences degree in Computer Information Systems in 2005. After careers in the animal and medical fields, she joined WSMT Insurance in 2013 as the Administrative Assistant. In October of 2015, she obtained her Property & Casualty License and moved into the Commercial Lines Department as an Account Technician. Michelle completed the academic requirements of the Certified Insurance Service Representative designation (CISR) in 2019. In her spare time, she enjoys reading, cooking, gaming, traveling and spending time with her loved ones.
Marley graduated in 2018 with her bachelor’s degree in Business Finance and in 2019 obtained her master’s degree in Business Administration from Mount St. Mary’s University, where she also played Division I lacrosse. She has been with the WSMT family since 2016 as an intern while pursuing her degrees and started her career in 2019 as a Commercial Lines Account Technician and is currently a Commercial Lines Account Manager. Marley resides in Bel Air, Maryland and enjoys spending time with family and friends.
Vicki Clark CISR
PERSONAL LINES QUALITY CONTROL
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.
Ashely joined WSMT in 2020. Ashely is studying to earn her Bachelor’s Degree from Towson University in Business Administration. She enjoys spending her free time with good friends and family and hiking with her two dogs.
Commercial Account Technician
Lisa works with both WSMT and Ken Jones clients. Lisa joined the Ken Jones Insurance Agency in 1998 to answer phone calls and to do light filing. After earning her Property & Casualty license she moved to the role of Account Manager/Account Technician. She currently services all of the Ken Jones Agency’s Farm Policies. In her current role, she is responsible for servicing and maintaining client relationships. In her spare time she enjoys camping and spending time with grandkids, family and friends.