Our People

We have choices, so you have choices. As an Independent Insurance Agent we represent competing insurance companies. Our licensed agents and staff work hard to make sure you have the right protection at an affordable price. We always review your policies at renewal time making sure that you are always getting the right protection at the right price.

Ross Richey

Owner / CEO p(270) 543-1124

Ross is Owner and CEO of Lawton Insurance. His passion for providing insurance solutions for clients began while working at Lawton during the summers of his college career. He graduated from Western Kentucky University in 2006 with a Business Management Degree.

Ross’s professional designations are important to him. He recognizes the complexities of the insurance industry and knows he must remain current and knowledgeable of the insurance product in order to best serve his clients. As an alumnus of the State Auto PaceSetter program, he has developed superior methods for providing client-oriented service. He holds the Accredited Advisor in Insurance and the Certified Work Comp Professional designations, and is currently working toward his Certified Risk Management designation.

Involvement and service to the local community has always been a part of Ross’s makeup. He was named Young Entrepreneur of the Year in 2008 by the Greater Muhlenberg Chamber of Commerce. He is currently participating and learning about that local community as a member of the 2012 Class of Leadership Bowling Green.

Stephen P. Durham, CIC

President, Lawton Insurance Group p(270)836-4674

Originally from Madisonville, KY, Stephen Durham is a graduate of Murray State University and began building the Cole & Durham Insurance family nearly three decades ago. With more than 20 years of insurance experience, Stephen is a Certified Insurance Counselor and a member of the Motorists Mutual President’s Advisory Council, and he is dedicated to building lasting relationships with every one of his valued clients. In his free time, Stephen enjoys spending quality time with his wife, Starr, and their children, Miles and McKinsey. Stephen also enjoys coaching high school soccer, golfing, and hunting.

Bryan Buchanan

Executive Vice President p(270) 543-0630

A graduate of Western Kentucky University, Bryan Buchanan joined the Lawton Insurance family in 2008. A Certified Benefits and Wellness Advisor, Bryan specializes in commercial and personal lines, as well as employee benefits. Building relationships and providing outstanding service to clients are what matters most to Bryan. In his free time, he enjoys spending quality time with his wife, Natalie, their son, Asa Michael and daughter, Abby Jo.

Emily Foster



J. Chip Wilkins

Commercial Insurance p(270)282-2411

A native of Bowling Green, KY, James “Chip” Wilkins joined the Lawton Insurance family in 2016. With more than three years of insurance experience, Chip specializes in commercial lines and truly enjoys building close relationships with each of his clients. In his spare time, Chip enjoys spending time with his wife, Mollie, and their two sons, Trace and Hunt. Chip also enjoys playing golf, cooking for his family, and watching football.

Cullen Reynolds

Personal & Commercial Lines Insurance p(270) 584-5222

Originally from Madisonville, KY, Cullen Reynolds is a recent Business Management graduate of Western Kentucky University and started at Lawton in May of 2018. Cullen specializes in Personal and Commercial Lines of Insurance, and is certain to provide proper coverage as he is a former offensive lineman for the WKU football team. In his free time Cullen enjoys sporting events, hitting the links and time with family and friends. Drop by and you will see that Cullen dedicates as much effort to winning your business as he did to winning 2 Conference USA championships!

Joel Huff

Commercial Lines p(270) 754-4881

A graduate of Mid-Continent University, Joel Huff joined the Lawton Insurance family in 2018. A Customer Service Specialist, Joel specializes in property and casualty with his main area of focus being commercial liability and workers compensation.  He is excited to have the opportunity to serve my hometown as part of the Lawton team.  As a lifelong resident of Muhlenberg County I love our community. With his wife of 18 years, Julie Lynn, Joel is always spending his time training his beagles for hunting and field competitions or playing golf, traveling and attending cheer events with his family. He values his customers and counts them amongst my dearest friends.  People may come in as a stranger, but they will leave as a member of our family.

Star Howard

Service Team p(270) 320-0001

Originally from Nashville, TN, Star Howard started with Lawton Insurance in 2010. She graduated from Western Kentucky University with a degree in Accounting and Management. Star and her husband, Mike, reside in Bowling Green, KY, with their two sons, Austin and Brandon.

Stephanie Wade

Personal Lines Account Manager p(270)495-3152

A native of Bowling Green, KY, Stephanie Wade joined the Lawton Insurance family in 2015, specializing in property and casualty insurance. With more than 12 years of professional experience, Stephanie is dedicated to getting each client the most personalized coverage options at the best possible rate. In her free time, Stephanie enjoys spending quality time with her son, Jax, and enjoying nature.

Michelle Allen

Personal Lines p(270) 977-8866

A native of Bowling Green, KY and a graduate of WKU, Michelle Allen joined the Lawton Insurance family in 2017. With more than 16 years of insurance experience, Michelle is experienced in Personal Lines of insurance and is happy to put her years of experience to work for you! She enjoys hiking, kayaking and being outdoors with her family and friends. Come see her at the Lawton Bowling Green office and find out how Michelle can help.

Jan Warren

Group Health Account Manager p270-495-3163

Jan Warren joined the Lawton Insurance family in 2018 and specializes in providing exceptional service to our group heath accounts.  Jan has two daughters Courtney and Madeline, and in her free time enjoys traveling, hiking and spending time with her miniature dachshund Aimee.

Judi Noffsinger

Service Team p(270) 754-4881

Judi Noffsinger has been working at Lawton Insurance for over 25 years. Judi has an Associate’s Degree in Business from the University of Kentucky Community College system through Madisonville Community College. Judi is a Certified Professional Secretary (CPS) and an accredited Customer Service Representative (CSR) from Independent Insurance Agents of America. In November 2011, Judi and her husband celebrated their 50th wedding anniversary. They have two children and two grandchildren.

Shawna Hendrix

Account Manager p(270) 754 – 4881

A native of Greenville, KY, Shawna Hendrix joined the Lawton Insurance family in 1997. With nearly 20 years of insurance experience, Shawna specializes in property and casualty insurance and enjoys finding the perfect coverage at the best possible rate for her clients. In her spare time, Shawna enjoys spending quality time with her husband, Eddy, and her two children, Christopher and Blair. Shawna also enjoys cooking and shopping for hidden treasures at thrift stores and yard sales. She will make her 26th trek to Walt Disney World in October. They might just make her an honorary princess!

Lisa Payton

Account Manager p (270) 754-4881

Originally from Sacramento, KY, Lisa Payton joined the Hayden Insurance family more than three decades ago. With more than 35 years of insurance experience, Lisa specializes in superior customer service and enjoys building lasting relationships with every one of Hayden’s clients. In her free time, Lisa enjoys spending quality time with her husband, Dwight, and her daughters, Amanda and Ashley, and spoiling her grandchildren. Lisa also enjoys quiet nature walks, flower arranging, reading and practicing yoga.

Vicki Frye

Senior Commercial Lines Account Manager p(270) 754-4881

A Central City, KY native, Vicki Frye is a graduate of Owensboro Business College and joined the Lawton Insurance family in 1975, and again in 2003. Vicki boasts more than four decades of experience in insurance, having served eight different agencies across the U.S., and specializes in commercial lines. Vicki is an avid UK basketball fan and enjoys spending quality time with her husband of 40 years, Joe.

Kenzie Ja-Na Vincent

Life and Health p (270) 754-4881

A native of Belton, KY, Kenzie Ja-Na Vincent started her insurance career at Cole & Durham in 2015 and is happy to bring her skillsets to Lawton Insurance. Kenzie specializes in writing Health and Life Insurance, and makes you feel at home while finding the perfect coverage at the best possible rate for her clients. Kenzie enjoys the outdoors, riding four wheelers and boating, while spending quality time with her husband, Jordan, and their fur babies, Biscuit, Captain and Harry.

Samantha Hughes

Account Manager p(270) 754-4881

Samantha Hughes joined the Lawton Insurance family in 2017. With more than 5 years of insurance experience, Samantha works with personal lines and behind the scenes to make sure customer needs are met. In her time away from the office, Samantha spends her time with her daughter, Kenzie. They enjoy spending time outside, going to the movies, reading, and taking trips to the Smokies.

Phyllis Davis

A native of Central City, KY, Phyllis Davis joined the Lawton Insurance family in 2012. Phyllis has more than a decade of experience in customer care and customer service and is the bright, smiling face that greets you at our Bowling Green office.