Business Details
50+ Years
experience
Your Trusted Independent Insurance Partner in Mt. Sterling, KY
Fritts-Million Insurance has served communities since 1957, providing tailored insurance solutions for personal and commercial needs. Our agency was founded by James Woody Fritts in Mt. Sterling, Kentucky, and expanded through strategic partnerships, including Tom Million's 1994 entry that established our current name. With over 65 years of combined experience, our team of licensed professionals offers comprehensive coverage options across Kentucky, Indiana, Ohio, and Tennessee. We maintain relationships with multiple insurance carriers to ensure competitive pricing and customized protection for our clients. Our staff receives cross-training in personal lines, business lines, life, health, and disability insurance to address diverse client requirements.Technological advancements enable us to deliver efficient service while maintaining our commitment to personalized attention. We operate from two offices - our original Mt. Sterling location and a Louisville branch established in 2002. Our agency specializes in identifying unique business risks and implementing appropriate safeguards for commercial clients. For personal insurance needs, we provide coverage solutions for automobiles, homes, boats, and life insurance products. Our proven track record includes representing companies with strong claims settlement histories to ensure reliable client support during critical times.
Services
Auto Insurance
Homeowners Insurance
Business Liability
Life Insurance
Commercial Property
Disability Insurance
Umbrella Coverage
Group Health Plans
Professional Liability
Workers Compensation
Details
- Year established: 1957
Highlights and features
- We offer over 65 years of combined experience in independent insurance services
- We maintain relationships with multiple insurance carriers for competitive pricing
- Our staff receives cross-training in personal and commercial insurance lines
- We implement technological advancements while maintaining personalized service
- We specialize in identifying unique business risks for comprehensive protection
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles. Our policies cover standard automobiles, specialty vehicles, and business fleets with customizable coverage options. Our experienced agents help clients navigate liability requirements and select appropriate protection levels based on individual needs.
Homeowners Insurance
Our homeowners insurance policies protect residential properties against common risks while providing liability coverage. We offer customizable plans that safeguard both the physical structure and personal belongings within the home. Our agents help clients understand policy details and select appropriate coverage limits.
Business Liability
We specialize in business liability insurance tailored to specific industry needs. Our solutions protect companies from claims related to bodily injury, property damage, and professional errors. Our team works with clients to identify unique business risks and implement comprehensive protection strategies.
Life Insurance
We offer various life insurance products including term, whole, and universal life policies. Our agents help clients understand different policy structures and select appropriate coverage amounts to protect their families' financial future. We work with multiple carriers to find competitive rates.
Workers Compensation
Our workers' compensation insurance solutions help businesses comply with legal requirements while protecting employees. We provide coverage for workplace injuries and illnesses, including medical expenses and lost wages. Our agents assist with policy implementation and claims management processes.
People
Tom Million
President
Tom joined Fritts-Million Insurance in 1994 and specializes in business lines insurance. He has over 40 years of industry experience and holds the Certified Insurance Counselor designation.
Tony Fritts
Chairman
Tony has been in insurance since 1976 and served as Deputy Commissioner of Kentucky Department of Insurance from 1992-1996. He specializes in business lines insurance and holds multiple licenses.
Dustin Million
Agent
Dustin joined Fritts-Million Insurance in 2017 after working in banking and finance. He specializes in personal lines, business lines, and life/health insurance with a background in financial services.
Lynn Ennis
Agent
Lynn has been with Fritts-Million Insurance since 2002 and has over 35 years of insurance experience. He specializes in business lines while also handling personal lines insurance requirements.
Marian Cines
Agent
Marian joined the team with over 30 years of healthcare industry experience. She specializes in Medicare plans and has certifications with multiple carriers to help clients with enrollment and plan selection.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life, health) and commercial insurance (liability, property, workers compensation) for clients across Kentucky, Indiana, Ohio, and Tennessee.
How are you different from other insurance agencies?
As an independent agency, we represent multiple insurance carriers to find competitive pricing while maintaining personalized service through our experienced, cross-trained staff.
Do you serve businesses of all sizes?
Yes, we work with both small and large businesses to identify unique risks and implement appropriate insurance solutions tailored to each company's specific needs.
What areas do you service?
We provide insurance services throughout Kentucky, Indiana, Ohio, and Tennessee with offices located in Mt. Sterling and Louisville, Kentucky.
