Owner / Sales & Agency Principal
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.
Mack Major, CIC
Owner / Sales & Agency Principal
Mack joined Higgins Insurance 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.
Bradley Sandifer , CIC
Owner / Sales & Agency Principal
Bradley joined Higgins Insurance in July of 2007 and has been in the insurance industry since 2005. He became a partner in 2012. 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.
Owner / Sales & Agency Principal
Brad joined Higgins Insurance in January 2013. He is in Sales for Commercial Lines, Life and Health and Personal Lines Insurance. Brad graduated from Hopkinsville High School and has a BS in Business Management and an MBA from Western Kentucky University. He and his wife, Fowlen, have one daughter, Isabel and 2 boys, Pace and Brooks. He enjoys spending time with his family, watching UK sports, and playing golf.
Owner/ Sales & Agency Principal
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 three sons, Jack, Graham and Lewis. He enjoys spending time with his family, playing tennis, and coaching YMCA youth flag football.
Matt joined the Higgins Insurance team in 2017 and specializes in employee benefits. He is a graduate of Austin Peay State University. A lifelong Tennessean, he enjoys cheering on the Tennessee Volunteers and the Austin Peay Governors. Away from the office Matt enjoys spending time outdoors doing anything from hiking to playing a round of golf.
Thomas joined Higgins Insurance in 2010, specializing in employee benefits. 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 his wife, Stephanie, and his two boys, Jackson and Nathan, and daughter, Abigail. He also enjoys WKU sports and golf.
Aaron joined Higgins in February of 2017. He has lived in Western Kentucky his whole life. Growing up the son of a preacher allowed him the opportunity to live in many parts of western Kentucky. He and his wife, Ashleigh, have been married 8 years and have a 3 year old daughter named Presleigh and a newborn son named Porter. Aaron has always loved agriculture and the rural lifestyle. He is an avid outdoorsman and rarely passes up an opportunity to partake in the great outdoors. When it comes to work life, he has focused on risk management for the last 6 years. He has been a crop insurance agent as well as a licensed commodity trader and advisor. His primary focus is on the ag industry managing risk for not only farmers but commercial ag vendors as well.
Tim Kittell, CIC
Tim joined 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.
Krin joined Higgins in June of 2015. She graduated from George Walton Academy and holds a Bachelor’s Degree in Sociology from Georgia College & State University. She is an associate member of Hopkinsville’s Junior Auxiliary and enjoys participating in various organizations within the community. Krin and her husband Matthew live in Hopkinsville with their dogs, Arlow and Ava and attend Edgewood Baptist Church. She enjoys writing, traveling, cooking and cheering on the Georgia Bulldogs.
Commercial Lines Account Managers
Darlene Bolton, ACSR
Darlene joined Higgins Insurance 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.
Jessica joined Higgins Insurance in May 2018 as a Commercial Lines Account Manager. She graduated with a Bachelor of Science degree in Public Relations from Murray State University. She is a Trigg County native and is a lifelong member of Cadiz Baptist Church. Jessica enjoys spending her free time with her niece, traveling, and reading.
Meredith joined Higgins Insurance in May of 2018. She graduated from Park View High School and has a Bachelor of Science degree in Business Management from Appalachian State University. She lives in Clarksville with her husband, Jake, and step-dog, Max. In her free time, she enjoys reading, working on her blog, and powerlifting.
Sandra joined Higgins Insurance in 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.
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.
Faith joined Higgins Insurance in April 2018. She graduated from Owensboro Catholic High School. She has an associate degree in medical office management from RETS Medical and Business College. She, her husband, Chris and son, Jacob are members of New Work Fellowship Church. She enjoys working out, thrift shopping, and spending time with her famiy.
Melissa Montgomery, ACSR
Melissa joined Higgins Insurance in August 2015. She graduated from Lamar High School and has a Bachelor of Science degree in Business Management from Colorado State University-Pueblo. She resides in Hopkinsville with her dog, Scout. In her free time, Melissa enjoys watching Professional Rodeo and Denver Broncos football, volunteering with Girl Scouts, and spending lots of time with her family.
Account Manager, Clarksville
Stephanie is a Clarksville native, graduating from Northeast High School in 1991. She brings with her over 20 years of dedicated local insurance experience. She is licensed in all lines of insurance and is eager to serve clients from our Clarksville location. Stephanie and her husband Ricky have been married for 23 years and have one daughter. She enjoys the outdoors, reading and spending time with her family and friends.
Stephanie Parker, ACSR
Stephanie joined Higgins Insurance in August 2016. She graduated from Murray State University with a Master of Science degree in Human Development and Leadership. Stephanie enjoys spending time with her husband, Benjie, and her son, Portlin. She also enjoys boating, camping, and cheering on the Louisville Cardinals Basketball Team!
Personal Lines Account Manager
Karen Hunter, ACSR
Karen joined 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 is a member of Locust Grove Baptist Church. Karen enjoys spending all of her free time with her children and grandchildren.
Benefit Account Managers
Pam joined Higgins Insurance in December 1999 and is currently a Life & Health Account Manager. Pam is married and has two daughters. She graduated from Christian County High School. Pam is a member of Canton Baptist Church. She enjoys shopping, attending church and spending time with her family & friends.
Marketing / Enrollment Specialist
Susan joined Higgins Insurance in September 2014 with 15 years of Life and Health experience as a Benefits Counselor. She specializes in employee benefit enrollments for large and small groups. Susan has a Bachelor of Science in Merchandising and Business Management from Louisiana State University. She resides in Hopkinsville, KY and enjoy gardening, traveling and visiting her children and four grandchildren.
Christina joined Higgins in April of 2017. She is a resident of Hopkinsville, KY. She married her high school sweetheart, Stephen, and will be married for 20 years in December of 2017. They have two sons, Dylan and Tyler. Christina is a graduate of Christian County High School. She is an Associate member of the Hopkinsville Junior Auxiliary and a member of Hillcrest Baptist Church. She enjoys spending time with her family, hiking, shopping and working in her flower garden.
Amanda joined Higgins Insurance in 2013. She graduated from Hopkinsville Community College with an Associate in Arts degree. She received her Kentucky Life and Health license in 2016. She resides in Hopkinsville with her husband, Jared and her fur-baby, Dixie. She has one son, Joshua, who is currently an engineering major at University of Kentucky. She is an active member of Calvary Memorial Baptist Church. She enjoys spending time with family and friends.
Allison joined Higgins Insurance in October of 2017. She is a graduate from Christian County High School. She received her Associate’s Degree in Arts, majoring in General Business from Hopkinsville Community College in 2013. She continued on to receive her Bachelor’s Degree in Science majoring in Finance and Financial Planning from Murray State in 2015. She is an animal lover with one dog named Bowser and a horse named Vegas. She enjoys books and movies, especially mysteries and romantic comedies. She loves traveling and spending time with family and friends.
Sara Downs, CPA
Sara joined Higgins Insurance in October of 2014. She graduated from Christian County High School and has a Bachelor of Science degree in Business from Murray State University. Sara earned her CPA (Certified Public Accountant) designation in 2014. She enjoys spending time with family and friends, reading, shopping, and watching University of Kentucky basketball.
Teresa joined Higgins Insurance in 2010. 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.