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 / President p(270) 543-1124

Ross is President and owner 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.


Tim France, CIC, CPCU

Originally from Paducah, KY, Tim France is a graduate of the University of Kentucky. Tim took his place at the head of the Horn & France Insurance family table nearly two decades ago. With more than 30 years of insurance experience, Tim is a Certified Insurance Counselor and a Chartered Property Casualty Underwriter, and he specializes in commercial lines. Tim works hard to build lasting relationships with every one of his valued clients. In his free time, Tim enjoys spending quality time with his wife, Donna, and their children, Justin, Wesley, and Sarah. Tim also enjoys supporting UK basketball and spending time in the great outdoors hunting, fishing, camping and boating.


Karen Frasier, ACSR

Account Manager p270-685-5124

A native of Owensboro, KY, Karen Frasier joined the Horn & France Insurance family in 2014. With more than three decades of insurance experience, Karen specializes in commercial lines and truly enjoys building close relationships with each of her clients. In her spare time, Karen enjoys spending time with her husband, L.D., and their three children, Kelby, Tara and Bailey. Karen also enjoys hunting, fishing, reading and dancing.


Benji M. DeWitt

Account Executive p270-685-5124

Benji M. DeWitt joined Horn & France Insurance in June 2004 after he retired, at the age of 39, from the Daviess County Clerk’s Office June 2004. Benji is licensed in the state of Kentucky for Property & Casualty and Life & Health Insurances.

Benji attended State Auto Insurance Company’s Pace Setter Program, an elite class for the insurance industry, Fall 2004. He graduated from Owensboro High School in 1983 and then attended the University of Kentucky.

Benji and his wife, Angie and two kids Kegan & Lindsey are members of BridgePointe Church where they are involved with the youth ministry. He is involved with The Alma Randolph Charitable Foundation.


Rodney Vancil

Account Executive p270-685-5124

Rodney graduated from Murray State University in 1979 where he earned a B.S. in Business Management.

Rodney has been in the insurance business in Owensboro since 1985. His past experience included health insurance including self-funded medical, cafeteria plan administration, health reimbursement arrangements and health savings accounts. In addition to health insurance, Rodney is currently licensed and trained to provide assistance with long term care insurance, life insurance, disability insurance, home and auto insurance.

Rodney lives in Owensboro with his wife Leigh and three children, Nicholas, Griffin and Olivia.


Lori Parks Byers

Account Executive p(270) 685-5124

A Madisonville, KY native and a graduate of Kentucky Wesleyan College, Lori Parks Byers joined our Insurance family in 2005. With more than a decade of insurance experience, Lori specializes in personal and commercial lines and strives to find each client the best possible rate and most comprehensive coverage plan available. Lori enjoys spending time with her husband, Ben, and two children, Jon-Hunter and Sophia. She also loves entertaining friends, cooking for loved ones, and getting lost in a good book.


Don Mitchell, CWCA, CWCC, PRIS

Account Executive p270-685-5124

Originally from Washington, IL, Donald Mitchell became a Kentuckian in 1994 and joined the Horn and France Insurance family in 2016. With more than 17 years of insurance experience, Donald specializes in commercial lines and works hard to bring each of his clients the most comprehensive coverage at the best possible rate. In his free time, Donald enjoys spending quality time with his wife, Veronica, and their three children, Drew, Casey, and Amy. Donald also enjoys spending time in the great outdoors golfing and running.


Jeff Johnson

Account Executive p270-685-5124

A native of Owensboro, KY and a graduate of Kentucky Wesleyan College, Jeff Johnson joined the Horn and France Insurance family in 2016. With more than seven years of insurance experience, Jeff specializes in organizational communications and enjoys building personal relationships with each of his valued clients. Jeff is an avid sports fan and enjoys coaching his son, Nolan, in baseball and basketball. He also enjoys spending quality time with his wife, Beth, and is active in his church community.


Krista Camp

Account Manager p270-685-5124

An Owensboro, KY native, Krista Camp joined the Horn & France Insurance family in 2015. Krista specializes in personal lines and strives to find each client the best possible rate and most comprehensive coverage plan available. In her free time, Krista enjoys spending time with her husband, Landon, and their daughter, Allie Jo, who keeps her on her toes. She also loves working with the youth at the church she and her husband attend, and has been doing so for more than three years.


Brandy Rachelle Ulmer

Account Manager p270-685-5124

From Owensboro, KY, Brandy Rachelle Ulmer joined the Horn & France Insurance family in 2016. Brandy specializes in personal lines and works hard for every client she works with. In her free time, Krista enjoys being very family oriented by spending time with her husband, Nathan, and their children, Maddox and Grayson, who keep her busy doing things in the community. In her spare time, Brandy enjoys bowling, watching movies, listening to music, binge watching Netflix, and is an avid UK football and basketball fan.


Breanna Kreis

Account Manager p270-685-5124

Breanna Kreis is originally from Grand Rapids, Michigan but has made her home in Kentucky since 2015. She graduated from Ferris State University with a degree in Criminal Justice and is happy to bring her experience in Commercial Insurance to Horn & France. In her free time, Breanna enjoys being with her husband, Zachary, and her son Lachlan, enjoying the outdoors, hunting and watching football.