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Ashley Insurance

38 S Harrison St
Easton, MD 21601

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About Ashley Insurance

Ashley Group image

Located on Maryland’s Eastern Shore with offices in Centreville, Easton, Denton, Cambridge, & Greensboro, Ashley Insurance, Inc. offers full range of personal and business insurance products to protect you, your loved ones, your employees, and your property. As an independent agent, we evaluate the coverages and costs of many companies to get the best insurance value for you. Our agents can also help you find a replacement policy if something unfortunate occurs that results in a policy cancellation or non renewal. We represent a variety of companies that write personal insurance in the states of Maryland, Delaware Virginia, Washington D.C., and Pennsylvania.

All of us at Ashley Insurance, Inc. are dedicated to providing clients in Maryland and the surrounding area with very competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies.

Give us a call at 410-822-1900 or contact us through one of our quote forms, and we'll be happy to answer any of your insurance questions. In life. In business. We make a difference.

Staff Members

Easton Branch (Map)


Julie C. Smith

Julie C. Smith - President

(Direct Line: 410-763-9000)

David E. South

David E. South, CIC - Account Executive

Al Brooks

Al Brooks, LUTCF - Account Executive

Commercial sales producer, licensed in property / casualty and life/ Health,for over 35 years. Licensed in the following states: Maryland, Delaware, DC, Virginia. Attended Chesapeake College and The University of Maryland. Over 40 years refereeing Basketball; college, High School and Youth Basketball.

Carol Frampton, CISR

Carol Frampton, CISR - Customer Service Representative

Carol has enjoyed her career in insurance since 1968. As a member of Ashley Insurance you will her working in the commercial and farm departments. Carol holds a property and casualty insurance license and certified insurance representative designation and always working and servicing her clients. When not at the office you will find Carol as a dedicated volunteer for The Maryland 4-H Youth Program and is the leader of The Green Clover 4-H Club for over 45 years. Carol and her husband John reside in Talbot County. They have 2 daughters, Lynn & Shelly and 4 Grandchildren Justin, Dylan, Sabrina and Andrew.

Tammy Payne, CISR

Tammy Payne, CISR - Personal Lines Customer Service

Tammy Payne has been in the insurance business since 1984 and is passionate about her career choice. Tammy is licensed in property/casualty and life/health. She holds a Certified Insurance Service Representative (CISR) designation and is on her way to earning the Elite status. Tammy currently works in our personal lines department and has been with us since 2007. She enjoys working with the public and providing her clients with superior customer service while saving them money and making sure they are well protected against the unknown. A proud mother and grandmother, Tammy enjoys spending time with her daughter, Miranda, who is also an agent with Ashley Insurance, and her granddaughters, Carmalie, Reagan, and Addalyn.

Miranda Furstoss, CISR

Miranda Furstoss, CISR - Customer Service Representative

Nikki Buckle

Nikki Buckle - Customer Service Representative

Robert D. Smith

Robert D. Smith - Personal Lines Manager

Alexa Matthai, CBC, ACBC

Alexa Matthai, CBC, ACBC - Employee Benefits Manager

(Direct Line: 410-822-9105)

Alexandra (Alexa) Matthai has been working as Manager of the Life and Health insurance division of Ashley Insurance since August 2001 and brings over 20 years experience to the agency. Alexa currently serves on the board of Eastern Shore Health Underwriters and Thompson Creek Homeowners Association and is a former president of the Eastern Shore Association of Insurance and Financial Advisors. As a member of the National Association of Alternative Benefit Consultants and American College Certified Health Care Reform Studies participant, Alexa is a informed resource for area business owners regarding benefits for themselves and their employees. Originally from Owings Mills of Baltimore County, Alexa has been a resident of the Eastern Shore since 1985 currently residing on Kent Island. She enjoys cycling, boating and visiting her three grown children.

Sadie Lockwood

Sadie Lockwood - Customer Service Representative

Laurie Tulowitzky

Laurie Tulowitzky - Customer Service Representative

Alyssa Kendall

Alyssa Kendall - Personal Lines CSR

(Direct Line: 4108221900 x103)

Melissa Miranda

Melissa Miranda - Customer Service Representative

(Direct Line: 115)

Centreville Branch (Map)


John M. Ashley III

John M. Ashley III - C.E.O.

(Direct Line: 410-758-0200)

Amy Clough-Kirby

Amy Clough-Kirby - Treasurer

Amy Clough-Kirby has been a licensed insurance agent since 1999 and joined Ashley Insurance more than 20 years ago. She currently serves as an agent and a bookkeeper for the company.

Susan B. Lewis

Susan B. Lewis - Customer Service Representative

Susan Lewis has been a licensed property and casualty agent for over 35 years and has been associated with Ashley for the past 30 years. She holds the designation of Certified Insurance Service Representative.

Jon L. Fellows

Jon L. Fellows - Commercial Lines Manager

Denton Branch (Map)


Diana LaClair

Diana LaClair - Customer Service Representative

Diana obtained her insurance license in 1993 and also holds her CISR designation. She lives on the Eastern Shore with her husband and their four-legged family. She is active in Mason-Dixon Rescue Dogs, Inc. a volunteer, non-profit organization, using one of her dogs to find missing people. Once a month she goes to the local library to participate in the R.E.A.D. to a Trained Dog program. On weekends you can find her at CPE agility trials competing with her Beagles and Border Collies. She also enjoys fishing and crabbing with her husband.

Robert (Bobby) A. Fearins

Robert (Bobby) A. Fearins - Account Executive

Robert A. Fearins is a lifetime resident of Caroline County and has been in the insurance business over 20 years. Bobby is the lead agent in the Denton office of Ashley Insurance. He works with individual, farm, fire dept., and business clients, and is licensed in both Maryland, Virginia and Delaware. Bobby volunteers as an active life member of the Denton Volunteer Fire Company and enjoys hunting, fishing, camping and spending time with his family.

Debbi Darling

Debbi Darling - Customer Service Representative

Cambridge Branch (Map)


Jay Harrington

Jay Harrington - Account Executive

Charlene Adams

Charlene Adams - Customer Service Representative

Kendra Nichols

Kendra Nichols - Customer Service Representative

St. Michaels Branch (Map)


Jo Ann Harrington

Jo Ann Harrington - Account Executive

Beth Gowe

Beth Gowe - Customer Service Representative

Miranda Furstoss

Miranda Furstoss

Miranda Furstoss holds licenses in both property/casualty and life/health, as well as a Masters of Business Administration degree from Capella University. She earned the CISR (Certified Insurance Service Representative) designation in 2011, the CISR Elite in 2017, and was the recipient of the Outstanding CSR of the Year Award for Maryland in 2014. She currently works in the personal lines department of Ashley Insurance. Miranda, who has been working alongside her mother Tammy in the insurance business since she was fourteen, joined the Ashley family in 2007. She resides in Elkton with her husband Rob, and their three girls, Carmalie, Reagan, and Addalyn.

Tommy Kaufman

Tommy Kaufman

Tommy Kaufman has been helping people with their insurance needs on the Shore for over 30 years. Tommy has spent his career building lasting client relationships and tailoring insurance portfolios for friends and family. Tommy joined the Ashley family the fall of 2019. He lives in Chester, MD with his wife Donna. In Tommy’s spare time he enjoys golfing and spending time on the Eastern Shore.

Greensboro Branch (Map)


Office Manager

Laura Harris

Laura Harris - Commercial & Personal Lines Agent

(Direct Line: 410.482.8603)


Heather Gowen

Heather Gowen - Customer Service Representative

(Direct Line: 4104828603)

Nora Turner

Nora Turner - Customer Service Representative

(Direct Line: 4104828603)

Why work with us?


Servicing These States

Our Partners
  • AAA
  • Aegis
  • Aetna
  • Agency Insurance Company
  • All Risks
  • American Collectors
  • Chesapeake Employers
  • Chubb
  • Foremost
  • Liberty
  • National General
  • Nationwide
  • Progressive
  • RLI
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Westfield
  • Zurich