Commercial Insurance || Employee Benefits || Personal Insurance || Claims || Administrative
Commercial Insurance
Malcolm Blane, CIC 
Owner / Sales & Agency Principal
(270) 886-3939 x108
mblane@higgins-ins.com
Malcolm joined Higgins in 1978 and became a partner in 1982. He graduated from Hopkinsville High School in 1973. He majored in insurance at the University of Mississippi and graduated in 1977. Malcolm earned his Certified Insurance Counselor designation in 1995 and specializes in Commercial Insurance. He is married, has a teenage daughter, and attends Grace Episcopal Church. He enjoys all SEC sports, travel, and golf.
Darlene Bolton, ACSR 
Account Manager
(270) 886-3939 x116
dbolton@higgins-ins.com
Darlene joined the agency in 1975. She is an Account Manager for Commercial Lines. In 1994 she acquired the ACSR (Accredited Customer Service Representative) designation. She graduated locally from Christian County High School. Darlene has one child and four grandchildren. She attends First Christian Church/Disciples of Christ.
Lee Conrad 
Sales
(270) 886-3939 x105
lconrad@higgins-ins.com
Lee joined Higgins Insurance in 2012. He is in Sales for Commercial Lines, Life and Health and Personal Lines Insurance. Lee graduated from Crittenden High School and has a BA in Political Science from the University of Kentucky. He and his wife, Meagan, have twin sons, Jack and Graham. He enjoys spending time with his family, playing tennis, and coaching YMCA youth flag football.
Tim Kittell, CIC 
Sales, Clarksville
(931) 647-9270 x205
tkittell@higgins-ins.com
Tim joined the Higgins Insurance in 2005. He is in Sales for Commercial Lines, Life and Health and Personal Lines insurance. Tim graduated from Bismarck High School and has a degree in Industrial Technology. He received his CIC designation in 2008. Tim is married to his wife Julie and they have two children and four grandchildren. He enjoys spending time with his grandchildren, traveling and gardening.
Sandra Litchfield 
Account Manager
(270) 886-3939 x125
slitchfield@higgins-ins.com
Sandra has been with Higgins Insurance since 2005. She is a Commercial Lines Account Manager. She attended Hopkinsville High School and graduated from Austin Peay State University with a Bachelor of Arts degree in Education. She and her husband Layton live in Christian County with their sons, Clayton and Austin. Sandra is involved in her church, Flat Lick Presbyterian and enjoys riding horses on their farm.
Amanda Major, CIC 
Account Manager
(270) 886-3939 x 118
amajor@higgins-ins.com
Amanda joined the agency in January 2008 as Commercial Lines Account Manager and earned her CIC designation in September 2008. Amanda has over 14 years experience in property and casualty insurance. She graduated from Christian County High School. Amanda resides in Christian County with her husband Jeff and their four children. She is a member of New Work Fellowship, enjoys volunteering with the local Red Cross.
Shirley Meacham 
Account Manager
(270) 886-3939 x117
smeacham@higgins-ins.com
Shirley joined Higgins Insurance in 1975. Shirley is an Account Manager in Commercial Lines. She is a life-long resident of Hopkinsville, Kentucky and graduated from Hopkinsville High School. Shirley and her husband, Larry, have two children and eight grandchildren. She is a member of New Ebenezer Baptist Church and enjoys spending time with her family and attending church activities.
Wynn Radford, CIC, CPCU, JD 
Owner / Sales & Agency Principal
(270) 886-3939 x106
wradford@higgins-ins.com
Wynn graduated from Hopkinsville High School and after graduating from Centre College and the University of Louisville Law School, Wynn joined the agency in 1979 and became an owner in 1982. Wynn has earned the CIC and CPCU designations and is currently earning the Certified Risk Manager designation. Wynn and his wife Linda, a retired teacher, have two adult children. Wynn enjoys working on accounts with challenging risk management issues and is active in local education and healthcare programs.
Bradley Sandifer 
Sales, CIC
(270) 886-3939 x122
bsandifer@higgins-ins.com
Bradley joined the agency in July of 2007 and has been in the insurance industry since 2005. Bradley handles sales for Commercial Lines, Life and Health and Personal Lines Insurance. Bradley graduated from Hopkinsville High School and has a BS in Agricultural Economics from University of Kentucky. He and his wife Allison have two daughters, Allie and Hannah. He enjoys hunting, sports and spending time with his family.
Employee Benefits
Sheila Alder 
Account Manager
(270) 886-3939 x114
salder@higgins-ins.com
Sheila joined the Higgins Insurance agency in 2005 after working 22 years in Human Resources. She is a Life and Health Account Manager. Sheila and her husband Ed have 7 children and 16 grandchildren and they presently live in Muhlenberg County. Sheila graduated from Hammond Technical Vocation High School. She enjoys serving with the Road Riders for Jesus Motorcycle Ministry, writing in her journals, playing the piano and singing.
Pam Cannon 
Account Manager
(270) 886-3939 x115
pcannon@higgins-ins.com
Pam joined the agency in December 1999 and is currently a Life & Health Account Manager. Pam is married and has two teenage daughters. She graduated from Christian County High School. Pam is a member of Canton Baptist Church and is very active in her daughters’ activities at school. She enjoys shopping, attending church and spending time with her family & friends.
Lee Conrad
Sales
(270) 886-3939 x105
lconrad@higgins-ins.com
Lee joined Higgins Insurance in 2012. He is in Sales for Commercial Lines, Life and Health and Personal Lines Insurance. Lee graduated from Crittenden High School and has a BA in Political Science from the University of Kentucky. He and his wife, Meagan, have twin sons, Jack and Graham. He enjoys spending time with his family, playing tennis, and coaching YMCA youth flag football.
Tim Kittell, CIC
Sales, Clarksville
(931) 647-9270 x205
tkittell@higgins-ins.com
Tim joined the Higgins Insurance in 2005. He is in Sales for Commercial Lines, Life and Health and Personal Lines insurance. Tim graduated from Bismarck High School and has a degree in Industrial Technology. He received his CIC designation in 2008. Tim is married to his wife Julie and they have two children and four grandchildren. He enjoys spending time with his grandchildren, traveling and gardening.
Mack Major, CIC 
Owner / Sales & Agency Principal
(270) 886-3939 x103
mmajor@higgins-ins.com
Mack joined the agency in May 1992, specializing in employee benefits. He graduated from Christian County High School and has a BS in Hospital Administration from the University of KY and a Masters of Business Administration from Vanderbilt University. He is married ten years to Lynn and they have one son, Mack. Mack enjoys spending time with family, golf, tennis and University of KY athletics.
Jerry Morse 
Sales
(270) 886-3939 x111
jmorse@higgins-ins.com
Jerry joined the agency in 1996. He is in Sales for Personal Lines, Life and Health and Commercial Lines. Jerry graduated from Christian County High School. He began his career in insurance in 1993. He has two children, Sally and J.B., who are both very involved in many activities. Jerry is active with the Hopkinsville Rotary Club, where he has served as president.
Thomas Estes 
Sales
(270) 886-3939 x130
thomasestes@higgins-ins.com
Thomas recently joined Higgins Insurance in 2010. He graduated from Owensboro Catholic High School in 2005 and went on to Western Kentucky University to get his BS degree in Technology Management. Thomas enjoys spending time with family, WKU sports, cornhole, tennis, going to the lake, and golf.
Personal Insurance
Sheila Covington 
Account Manager
(270) 886-3939 x113
scovington@higgins-ins.com
Sheila started her insurance career in 1980 and has been with Higgins Insurance since 1999. She is a Personal Lines Account Manager. Sheila graduated from Christian County High School. Sheila and her husband Herb reside in Hopkinsville. She enjoys reading and spending time with her friends and family.
Karen Hunter, ACSR 
Account Manager
(270) 886-3939 x112
khunter@higgins-ins.com
Karen joined the staff at Higgins Insurance in February 1977 and is a Personal Lines Account Manager. Karen graduated from Christian County High School and has obtained her ACSR (Accredited Customer Service Representative) designation. She resides in Hopkinsville with her husband and she has two children and four grandchildren. She is an active member in the Hopkinsville Business and Professional Women’s Club, serves on the state level of the Kentucky Federation of Business and Professional Women, board member of the Hopkinsville Christian County Crime Stoppers and a Sunday School Teacher and Choir Member of the Locust Grove Baptist Church. Karen enjoys spending all of her free time with her children and grandchildren.
Jerry Morse
Sales
(270) 886-3939 x111
jmorse@higgins-ins.com
Jerry joined the agency in 1996. He is in Sales for Personal Lines, Life and Health and Commercial Lines. Jerry graduated from Christian County High School. He began his career in insurance in 1993. He has two children, Sally and J.B., who are both very involved in many activities. Jerry is active with the Hopkinsville Rotary Club, where he has served as president.
Bradley Sandifer
Sales, CIC
(270) 886-3939 x122
bsandifer@higgins-ins.com
Bradley joined the agency in July of 2007 and has been in the insurance industry since 2005. Bradley handles sales for Commercial Lines, Life and Health and Personal Lines Insurance. Bradley graduated from Hopkinsville High School and has a BS in Agricultural Economics from University of Kentucky. He and his wife Allison have two daughters, Allie and Hannah. He enjoys hunting, sports and spending time with his family.
Claims
Lori Young 
Claims
(270) 886-3939 x101
lyoung@higgins-ins.com
Lori has been with Higgins Insurance Inc. for over 10 years as a Claims Specialist and Life and Health Sales. She graduated from Caldwell County High School. Lori and her husband Ty, a local small business owner, have two children in college. She is a member of First United Methodist Church.
Teresa Waldrop 
Claims Assistant
(270) 886-3939 x102
twaldrop@higgins-ins.com
Teresa recently joined the team at Higgins as the Claims Assistant. She graduated from Todd County High School. She has 2 boys and is active in their school activities. She enjoys reading and spending time with her family and friends.
Marketing & Accounting
Lisa Burke 
IT/Marketing
(270) 886-3939 x121
lburke@higgins-ins.com
Lisa has been with Higgins Insurance since April 2005. Lisa handles the IT at Higgins. She graduated from Hopkinsville High School and has a B.S. from Brescia University in Human Resource Development and a minor in Women’s Studies. Lisa lives in Hopkinsville with her husband Jon and their daughter Julia. She is active at her church, St. John United Methodist and enjoys attending her bunco group and her church book club and women’s circle.
Sarah Tyler, CPA 
Accounting
(270) 886-3939 x109
styler@higgins-ins.com
Sarah has been with Higgins Insurance since 2004 and is our Operations Manager. She graduated from Lyon County High School and then from Murray State University in 1999 with a Bachelor of Arts degree in Business and earned the CPA designation in 2000. She joined the insurance industry in 2001. Sarah enjoys spending time with her family, attending church and shopping.