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


856 Elkridge Landing Road
Linthicum, MD 21090

Personal Lines

Joan Sullivan, ACSR, AAI
Personal Lines Manager

Phone: 410-694-0536

Joan joined United States Insurance Services, Inc. as the Personal Lines Manager in May, 2015.  She has been a licensed agent for 17 years and has also worked in Commercial Insurance and Health and Accident  Insurance.   She is licensed in multiple states.   Previously, Joan owned her own Real Estate Investment Company and has had other successful business ventures throughout the years.  Joan currently holds the Accredited Customer Service Representative (ACSR) and the Accredited Adviser In Insurance (AAI) designations and is in process of completing the AIS, AINS and CPCU designations.


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

Phone: (410) 694-4019

Donna is the Controller for both Tidewater Insurance Associates and United States Insurance Services. Donna joined the organization in August of 2010 with over 15 years of accounting and operational experience to include 3 years in public accounting.

As Controller, it is her responsibility to oversee the day to day accounting functions within the organization to include the accuracy of the financial data recorded as it pertains to company payables, accounts payable, accounts receivable, direct bill receivable, payroll, tax preparation, cash management, and 401(k) reporting. She prepares the monthly and quarterly financials for both Tidewater Insurance Associates and United States Insurance Services and monitors the results against the budget and communicates any variances to the board for discussion.

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.

JoAnn Genovese CRIS, ACSR
Commercial Insurance Specialist

Phone: (410) 694-4013
JoAnn has been working in the insurance field since 1982. Her first insurance job involved placing bloodstock insurance on retired race horses. JoAnn joined Tidewater in 1984 and works in the commercial lines department. She has been a licensed Property & Casualty agent since 1982. She has earned the Accredited Customer Service Representative (ACSR) and Commercial Risk and Insurance Specialist (CRIS) designations.  She is also  a Notary Public.

Thomas C. Lowe CPCU
Commercial Lines Manager

Phone: (410) 694-4003

Tom Lowe was born and raised in Baltimore, Maryland. He was educated in local parochial schools and earned a Bachelor of Science degree from Towson University in 1974.

He started his insurance career in 1975 with the Hartford as a commercial casualty underwriter and received his CPCU designation in 1981. In 1985, he left the Hartford to join the agency ranks and worked briefly for another agency before joining Tidewater Insurance Associates, Inc. in 1986. He is now a principal of the company and Executive Vice President of Underwriting and Marketing.

Tom has been involved with the Independent Insurance Agents of Maryland for over 15 years and served as President and Chairman. He is a past President and Director for the Independent Insurance Agents of Metropolitan Baltimore. He serves on the Executive Committee as well as the Board of Directors. He is the past State National Director for the Independent Insurance Agents and Brokers of America, representing Maryland on the national board. He is a past member of the InVEST Board of Directors, a national organization promoting job opportunities in insurance. He is also a member and past chairman of the Insurance Roundtable of Baltimore.

Tom has been an active community volunteer for over twenty-five years. He is a member of the Quinn Community Association and served as a director for many years. He coached softball and soccer for the Carroll Manor Recreation Council for eleven years. An active member and lay minister of St John the Evangelist Church, Long Green, he previously served on the parish council.

He and his wife, Cathy, have three daughters and reside in Baldwin, Maryland.

J. Timothy Reid

Phone: (410) 694-4030

Tim Reid is President, Treasurer and Principal of both Tidewater Insurance Associates and United States Insurance Services. He is primarily responsible for new client/program development and has been employed with TIA/USIS since 1976.

Mr. Reid has been employed in the insurance industry since 1972. He received his initial insurance training at Royal Insurance Companies as a Property/Casualty Underwriter. His experience includes servicing a variety of commercial clients including insurers. Tim holds property/casualty licenses in numerous states.

As a holder of the Chartered Property and Casualty Underwriter (CPCU) professional designation from the American Institute for Chartered Property & Casualty Underwriters, Mr. Reid has been an occasional instructor for CPCU courses.

Tim graduated from Polytechnic Institute in 1968 and Towson State University in 1972 where he earned a Bachelor of Arts Degree. He is married, with two children, and lives in Ellicott City, Maryland.

Other States Insurance Program

Drew Moreton
Vice President

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.