Nancy Nicklow has dedicated her life to the insurance industry and to the community of Pasadena, Maryland. Her journey with Huff Insurance began in 1985 when she started helping her father, Ray Huff—the agency’s founder—during her summer breaks from high school. From filing paperwork to handling claims and working with both personal and commercial lines, there isn’t a role in the agency that Nancy hasn’t done. She officially joined the team full-time in June of 1994 after earning her business administration degree (cum laude) from Salisbury University, with a minor in psychology.
Over the years, Nancy has continued her professional growth by earning several prestigious designations, including Chartered Property & Casualty Underwriter (CPCU), Accredited Advisor in Insurance (AAI), and Construction Risk and Insurance Specialist (CRIS). Her leadership and dedication were recognized in 2014 when she was named the U.S. Small Business Administration’s Maryland Insurance Advocate of the Year.
Nancy’s industry involvement goes well beyond Huff Insurance. She served as president of the Independent Insurance Agents of Maryland in 2002-2003 and currently represents Maryland as the National Director on the Big I national board. She also chairs the Big I Invest Committee, which promotes financial literacy for high school and college students.
A lifelong resident of Pasadena, Nancy Nicklow is an active member of Harundale Presbyterian Church in Glen Burnie. She is a proud mom to Allie and Dalton. Sports are a big part of family life—Dalton has played for numerous local teams including the Bucs, Lake Shore programs, and Chesapeake High School, ultimately finishing his baseball career at Saint Vincent College, where he consistently ranked among the team’s top hitters.
When she’s not working or cheering from the sidelines, Nancy enjoys spending time with family and friends, especially relaxing on the beach. Her commitment to her clients, her team, and her community is the heart of Huff Insurance.
Name: Jerry Nicklow AAI, AIS
Title: Marketing Director
Email: jerry@huffinsurance.com
Phone: 410-647-1111
Jerry Nicklow has been a full-time member of the Huff Insurance team since December 2008 and currently serves as our Marketing Director. In this role, he leads the agency’s marketing efforts and strategy, helping to grow and support the business through creative and effective outreach.
Jerry began his insurance career in 1995 and brings years of industry experience to the agency. Before joining Huff Insurance, he was the Underwriting and Operations Manager at Agency Insurance Company, a regional auto insurance carrier in Maryland, from 1997 to 2008.
A proud local, Jerry graduated from Arundel High School in 1989, where he played baseball. He continued his education—and his baseball career—at Anne Arundel Community College and then Salisbury State University, where he earned a degree in Business Administration with a concentration in finance and graduated Summa Cum Laude.
Jerry stays active in the community and has served in many leadership roles, including past Chairman of the Board for the Independent Insurance Agents of Maryland, past board member of the Anne Arundel Community College Foundation, and past President of the Pasadena Business Association.
In 2009, he founded the Jerry Nicklow Student Athlete Scholarship at Anne Arundel Community College to support student athletes with financial need.
Outside of work, Jerry enjoys spending time with his wife Nancy and their two children, Allie and Dalton—both of whom are now working with the agency. His family loves traveling together, especially to Disney World and on cruises.
Name: Allie Nicklow
Title: Commercial Lines Agent
Email: allie@huffinsurance.com
Phone: 410-647-1111
Allie Nicklow is a third generation employee. She started part time in 2012 and came aboard full time after graduating college in June of 2020. Allie’s grandfather Walter Ray Huff started the agency in 1960. Allie started working in the agency at the age 14. She started out as a girl Friday meaning she was placed in what ever position needed help during her time there. She worked summer breaks throughout high school. She graduated from Chesapeake Senior High School in 2016. After high school she worked for Huff Insurance during summer and winter breaks. In January 2019 Allie passed her insurance license test, making her a licensed agent. Allie graduated from Salisbury University in May 2020 with a degree in Business Management with a concentration in Human Resources and a minor in Information Systems. After graduating from Salisbury Allie became a full time employee and starting working as an account manager helping clients with business and personal insurance needs. Allie received the Small Business Coverage Specialist designation and the Personal Lines Coverage Specialist designation in August 2020. Allie currently is working remotely from Salisbury Maryland, but she visits the office every now and then. Allie loves her job and is happy to help people understand the complexities of insurance.
Name: Hayley Conley
Title: Commercial Lines Assistant Account Manager
Email: Hayley@huffinsurance.com
Phone: 410-647-1111
Hayley Conley Has been with us since June of 2022. She started as our Director of First Impressions and has moved up to be our Commercial Lines Assistant Account Manager. 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 her great dog Bruce who greets her.
Dalton Nicklow is a third-generation employee who started part time in 2014 and full time in June of 2025 after graduating college. Dalton’s grandfather, Ray Huff, started the agency back in 1960 and Dalton is looking to follow in his footsteps.
Dalton graduated from Chesapeake High School in 2020, where he was a varsity track and baseball athlete. He graduated from Saint Vincent College in 2024 with an undergraduate degree in Business Administration and in 2025 with his Master’s in Business Management: Operational Excellence. Dalton was a Varsity Baseball starter for Saint Vincent College and received the academic excellence award for both undergraduate and graduate degrees (highest GPA in the major).
Dalton Nicklow started at Huff Insurance working with the marketing team before shifting to an office hand role. Dalton has since gotten both his property and casualty license, and his life and health license. Now Dalton is working full-time as a commercial lines agent in Huff Insurances home office in Pasadena, MD.
Outside of the office, Dalton enjoys going to the gym, watching and coaching baseball, and spending time with his dog, Sport. Dalton is excited to be able to help you with your insurance needs!
Name: Kelly Walter
Title: Manager of Client Experiences
Email: kelly@huffinsurance.com
Phone: 410-647-1111
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 took over a new new role as a the Manager of Client Experience. She is excited about her role and be able to service and educate our clients with both their personal and business needs. When Kelly is not working, she enjoys spending time with her kids, along with their black lab, Patton.
Name: Melissa Gover
Title: Personal Lines Agent
Email: melissa@huffinsurance.com
Phone: 410-647-1111
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.
Name: Kaitlyn Smith
Title: Personal Lines Assistant Account Manager
Email: kaitlyn@huffinsurance.com
Phone: 410-647-1111
Kaitlyn Smith joined Huff Insurance in February 2024 as our Director of First Impressions, quickly becoming a friendly and familiar face to our clients. Thanks to her dedication and positive attitude, she was soon promoted to Personal Lines Assistant Account Manager.
In her current role, Kaitlyn plays an important part in helping our personal lines clients with their insurance needs. She enjoys the variety each day brings and embraces every opportunity to learn and grow in her role. Her drive to challenge herself and support the team makes her a valuable member of the Huff Insurance family.
Outside the office, Kaitlyn loves spending time with her close-knit family who always encourage her to do her best. She’s also a proud pet mom to two dogs, Maci and Loki, and her cat, Marnie. When she’s not watching reality TV or true crime shows, you can find her enjoying the great outdoors—especially boating on warm, sunny days.
