Meet Our Team

Nancy A. Huff-Nicklow, the 2014 US Small Business Association Maryland Insurance Advocate of the Year, has been working for Huff Insurance since she was 14. Her father, Ray Huff founded the agency and Nancy started working with him during summer breaks from high school. There is not one job in the agency that Nancy has not done, from filing, to reporting claims, to working in the personal lines and the commercial lines departments. Nancy has been a lifetime resident of Pasadena, Maryland. She graduated from Chesapeake High School and then went to Salisbury University where she graduated cum laude with a major in business administration and a minor in psychology. Since graduating college Nancy has still be attending school, and has obtained her Chartered Property & Casualty Underwriter (CPCU) designation, Associated Advisor of Insurance (AAI) and Construction Risk & Insurance Specialist (CRIS). Nancy was president of the Independent Insurance Association of Maryland in 2002-2003 and currently serves on the National Agency Council of Technology (ACT) committee. Nancy attends Harundale Presbyterian Church in Glen Burnie. She has a daughter, Allie and a son Dalton. Her son is very active in sports and attending soccer, football or baseball games is a regular event. Dalton has played for the Bucs, Pasadena Baseball and Lake Shore Soccer, Lake Shore Baseball, Chesapeake High Baseball and Indoor Track. Nancy enjoys relaxing on their beach and spending time with family and friends.

Jerry Nicklow has been a full time member of Huff Insurance since 2008. Jerry serves as the Marketing Director at Huff Insurance. His main duties are to manage the agency’s marketing strategies. Jerry has been in the insurance industry since 1995. Prior to joining Huff Insurance, Jerry was the Underwriting and Operations Manager for Agency Insurance Company, a regional automobile insurance company located in Maryland, from 1997-2008. Jerry graduated Arundel High School in 1989, where he was a member of the baseball team. He went on to play baseball at Anne Arundel Community College from 1991-1992, and then to Salisbury State University from 1992-1995 where he graduated Summa Cum-Laude with a degree in Business Administration with a concentration in finance. Jerry enjoys being involved with the local business associations and chambers of commerce. In 2009, Jerry established the Jerry Nicklow Student Athlete Scholarship at Anne Arundel Community College in to assist in the education expenses for student athletes who have a financial need. He is currently the Chairman Elect for the Board of Directors of the Independent Insurance Agents of Maryland.  He serves on the board of directors of the Anne Arundel Community College Foundation and is a past president of the Pasadena Business Association. Jerry enjoys spending time with his wife, Nancy, and their two children, Allie and Dalton, who also spend time working at the agency during their off time at school.  They love taking their family trips to Disney World and Cruising.

Kelly M. Walter started with Huff Insurance in May of 2009 where she advanced her career in insurance since being licensed in 2006. She was our Personal Lines Account Manager until March of 2018 when she decided to stay home for a few years with her children, Chase, and Natalie. Kelly came back to Huff Insurance April of 2022 where she is learning a new role as a Commercial Lines Account Manager. She is excited to learn the new role and be able to service and educate our clients with both their personal and business need. When Kelly is not working, she enjoys spending time with her kids, along with their black lab, Patton.

Melissa J. Gover has been with the Huff Insurance since May 1, 2017, but she began her career in the insurance industry in September 1992. She is a personal lines account manager. Her job is to help people to the best of her ability with their insurance decisions and needs whether it be to purchase a new policy, make a change on an existing policy, or even just be a listening ear. It is her responsibility to inform people of what their coverages are and how important they can be and to educate them on what they mean and how they are effected by them. One of the things she loves best about her job is the feeling she gets when she knows she has helped someone make a good decision about their insurance. She loves the elation of a new business sale, and she loves the people she works with. She is thrilled to finally be a part of team that are all hard workers that love their job as much as she does and strives to do their best in everything. Melissa also loves the family atmosphere and feel that she is working with a group of friends, not just co-workers. When Melissa is not working, she enjoys baking, making cards, watching movies, going to the beach, and just spending time with her family, especially in Disney World.

Humberto “BT” Ramirez  joined our team in October of 2022.

Hayley Conley has been with us since June of 2022. She is our Director of First Impressions. Not only is the first person you see when coming to the office, she is also normally the first person picking up the phone. Hayley also handles the billing with the insurance companies. She enjoys her role in the company because it keeps her mind sharp and creates new challenges for her daily. Problem solving is a thrill for her. When Hayley is not in the office, she likes to be around her friends that inspire her. She watches a few different types of sports such as Football, Hockey, and Baseball. Her favorite thing though, is when she gets home, she has a four-legged feline friend named Rocky who greets her.