Tidewater Insurance Associates, Inc. Tidewater Insurance Associates, Inc.


856 Elkridge Landing Road
Linthicum, MD 21090

Personal Lines

Julie Gregory
Personal Lines Account Manager

Phone: 410-694-4030


Michelle Morrison CPCU
Claims Manager

Phone: (410) 694-4015
Michelle is a native to Maryland growing up in Anne Arundel County. She is a graduate of the University of Maryland and began her insurance career in 1985 with State Farm Mutual Insurance Company.

Michelle started as a Claim Representative with State Farm in Severna Park Maryland. She was first promoted in 1989 to Training Unit Supervisor, and then Claim Superintendant in 1990. In 1995 Michelle accepted a position at State Farms corporate offices in Bloomington Illinois where she worked in the General Claims Department. She went on in 1998 to become the Claim Section Manager with responsibilities for New York and Connecticut.
Michelle earned the Chartered Property and Casualty Underwriter (CPCU) designation in 1995.

After 17 years in the industry Michelle took a few years off, during which time she relocated back to Maryland and spent valuable time with her family. She worked in Real Estate before returning to the Insurance industry in 2008 with Tidewater Insurance Associates. She is our Claims Manager specializing in claim and risk management.

Michelle lives in Millersville Maryland with her husband Art and their son Michael. They are active in the community, coaching soccer, basketball and baseball as well as teaching Sunday School at their church.


Donna Burke
VP of Operations

Phone: (410) 694-4019
Donna is the VP of Operations for both United States Insurance Services and USIS Consults. Donna joined the organization in 2010 with over 15 years of accounting and operational experience.

Lorie Provenza

Phone: (410) 694-4030

Lorie has been with Tidewater Insurance Associates for over 15 years and works in the accounting department.  Lorie's coordination of the mail, deliveries, office supplies and any other administrative assignments are an important part of our agency's functionalitiy.

Commercial Lines

Stephanie Colburn CRIS, ACSR
Commercial Insurance Specialist

Phone: (410) 694-4016
Stephanie began her insurance career in 1984 when she worked for Nationwide Insurance in Annapolis.  There she held numerous commerical positions from rater/coder, coding error specialist, group leader and underwriting/auditor until the Tristate Regional office closed in 1996.

Stephanie joined the Tidewater team in 1997.  She has been a licensed Property & Casualty agent since 1997. She earned the Accredited Customer Service Representative (ACSR) designation in Commercial Lines and the Construction Risk  Insurance Specialist (CRIS) designation.

Kathleen Dix-Fritz
Commercial Insurance Specialist

Phone: (410) 694-4014
Kathy joined Tidewater Insurance Associates in 1980 as a member of the commercial lines department. She brings over 30 years of commercial and personal lines experience to her accounts. Kathy's wide range of industry expertise includes working with clients in the following industries: construction, manufacturing, health care, wholesale/distribution and property development.

Kathy has been a licensed insurance agent since 1977.

Account Manager

Phone: 410-694-4013

Colleen has 18 years of experience on both the carrier and agency side, joining United States Insurance Services in 2018.  She began her insurance career at AIG as a salesperson/front line underwriter for personal auto, consistently ranking as a Top 10 Salesperson nationwide.  She relocated from the Philadelphia area to Hunt Valley, MD and transitioned onto the agency side as an Account Manager, handling large commercial accounts across multiple industries including construction, manufacturing and schools.  Most recently, she worked as an Account Executive, focusing on a holistic approach to risk management and insurance procurement specifically for the Commercial Real Estate industry.

Colleen was named the 2011 Maryland ACSR of the Year by The Independent Insurance Agents of Maryland and was named the 2011 National ACSR of the Year by The Insurance Institutes.  Colleen currently holds her Property & Casualty license and has completed multiple professional designations including AU (Associate in Commercial Underwriting), AAI (Accredited Advisor in Insurance), ACSR (Accredited Customer Service Representative), CLCS (Commercial Lines Coverage Specialist) and CRIS (Construction Risk Insurance Specialist).  She is currently completing her CPCU (Chartered Property & Casualty Underwriter) and ARM (Associate in Risk Management) designations.  Colleen currently serves on the State Board of the Maryland Young Agents Committee (YAC) and serves as Treasurer.   Colleen attended West Chester University of Pennsylvania and currently resides in Baltimore County.

Clint Niland CPCU
AVP of Production

Phone: 410-694-4000 Ext: 4000
Clint is a 2008 graduate of West Virginia University with a B.S. in Economics and a B.S. in Business Administration with a concentration in Finance.  He has been employed in the insurance industry since 2009 .  He received his initial training with Travelers Insurance where he worked as a Property Claims Adjuster on the National Catastrophe Team and as a Property/Casualty Underwriter with their Commercial Accounts Group.  Clint also holds the Chartered Property and Casualty Underwriter (CPCU) professional designation.  His prior experience has given him a broad knowledge base as he worked with multiple lines of coverage in a wide variety of business segments.  He and his wife, Jenna, have three children. 

Other States Insurance Program

Drew Moreton

Phone: (410) 694-4018
Drew is a 1990 graduate of Eastern Illinois University with a B.A. in Economics and a minor in Business Administration. He has also completed the Hartford School of Insurance and was awarded the commercial lines coverage specialist (CLCS) designation. Drew has served as a program manager for United States Insurance Services since 2001.

He is a seasoned insurance professional with a strong background in underwriting, claims, and program management. Experienced in multiple lines of business with an emphasis in workers' compensation and alternative risk insurance programs.

He has an extensive background from Fireman's Fund Insurance as a home office claims segment manager and as regional client service manager.

Sharon M. Murphy

Phone: 410-694-4010
Sharon was raised in Baltimore and earned her BS degree in Business Administration from Towson University. She came to Tidewater with 20 plus years of experience in the Insurance Industry. She spent most of her career with Allstate Insurance Company as a Sales Service Rep Supervisor and Sales Administrator. By providing extraordinary customer service to her internal and external customer's, she has earned several awards.

Sharon is licensed in Property and Casualty and Life and Health. She supports our President and our Reinsurance Department.

Group Insurance Division

David Krause

Phone: (410) 694-0109

David Krause has 25 years of life insurance and financial services experience and is a licensed resident life and health insurance agent in greater Baltimore, Maryland. He is welll-versed in the fine print of selling group products and services.  He has devoted his entire career to the insurance and financial services profession with specific emphasis on life and disability insurance.  David has assisted thousands of individuals and businesses in understanding more about their specific needs and options for their insurance and financial future.