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About Us

For over 30 years, Smallwood and Small Insurance has enriched the lives and legacies of residents within the Eastern Panhandle of West Virginia. As an independent, full-service agency devoted to its community, Smallwood and Small delivers affordable, appropriate solutions for every age and stage of people’s lives.

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Acclaimed for its commitment to outstanding service, Smallwood and Small was named a 2013 Erie Insurance Elite Award Winner for Personal Lines out of 2200 agencies nationwide. From personal insurance to specialty business lines, Smallwood and Small’s offerings are precisely on point and under budget.


Kerns Professional Photo

Fred Kerns, Owner and Director of Marketing

Fairmont State University, B.S.
Certified Insurance Counselor (CIC)
Accredited Adviser in Insurance (AAI)

Fred isn’t just a man with a plan – he’s the man with the right plan. He was there greeting new clients and policyholders when Smallwood & Small Insurance opened its doors for the first time over 33 years ago.

Fred and his team strive to find the most comprehensive and economically-priced insurance solutions for their clients. Their unwavering commitment to affordability and superior customer service has created a multi-generational insurance family that’s 10,000 policyholders strong.  As director of marketing, Fred is constantly searching for better and more efficient ways to communicate the agency’s unique message to the community.  In his leisure time, Fred enjoys traveling to be with his children, spending quality time at home with his wife and their two beautiful German Shepherds, Jakob and Olivia, and passionately rooting for his WVU Mountaineers, Baltimore Ravens and Orioles.


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Thomas C. Miller, President

Shepherd University, B.S.
Accredited Advisor in Insurance(AAI)
Life Underwriter Training Council Fellow

For over three decades, Tom and Fred have ushered in an era of unprecedented growth and industry acclaim. Under Tom’s tutelage, Smallwood and Small’s policy holders enjoy superb customer service, expedited claims support and insurance products exclusively crafted to their coverage needs. A decorated military veteran, Tom is a true patriot of the people; he’s committed to giving customers exactly what they need at every age and stage. As a top agency producer to this day, Tom is an expert in all areas of commercial, auto, homeowners, life and health insurance, group benefits and pension products. In his spare time, Tom volunteers with the Shepherdstown Rotary Club, the Covenant Baptist Church, the Shepherd University Alumni Association and the Business Fraternity of Delta Sigma Pi at Shepherd University. An avid golfer, foodie and adventurer, Tom loves to explore the world with his family.


PeggyFishpawHarpine

Peggy Fishpaw-Harpine, Agent and Customer Service Representative

As a veteran insurance agent and associate member of the Hedgesville Volunteer Fire Department, Peggy supports her community personally and professionally. Her expertise in auto, home and life insurance helps our clients understand and achieve the coverages they need. An able troubleshooter in action, Peggy brings clarity and calm to life’s most challenging situations. In her spare time, this Dallas Cowboys fan and teddy bear enthusiast loves to read and relax with friends and family.


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Brian Greenfield, Agent

Shepherd University, B.S.

This former engineering professional constructs great deals for customers seeking commercial and personal coverage. Brian’s knowledge of commercial building and land surveying serves our customers well, whether they’re purchasing a home or seeking coverage for their business needs. Championing our customers’ needs by day, this hockey coach brings his team to victory by night.


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Amy L. Groves, Agent

Concord University, B.S.
Certified Insurance Counselor (CIC)

As an outside producer extraordinaire, Amy delivers outstanding service on point and under budget. As an Erie Insurance agent for 15 years and a Smallwood and Small employee for the last seven, Amy’s expertise in personal auto and home, commercial/business, bonds, life and health insurance yields long-standing customer relationships. When she’s not supporting our customers inside the office, she’s exploring the great outdoors with her husband and children.


KevinGroves

Kevin L. Groves, Agent

Glenville State College, B.S.

This longtime entrepreneur has a head for business and an eye on our customers’ best interests. As a pro in the arenas of personal auto and home, commercial/business, health, life and voluntary benefits, Kevin is well-versed in the coverages needed by businesses and individuals alike. Whether educating our customers about coverages or coaching youth sports, Kevin is committed to successful outcomes.


LyndaLeimbach

Lynda Leimbach, Agent

Shepherd University, B.S.
Life Underwriter Training Council Fellow (LUTCF)

A Master Certified Sales Consultant with years of industry know-how, Lynda elevates the customer experience in the life and health arenas. Well-versed in life’s expected (and unexpected) events, this ace coverage consultant equips our customers with the tools to thrive, personally and financially. When she’s not protecting our customers from rate hikes, Lynda and her husband can be found hiking in National Parks in their spare time. Wholeheartedly devoted to her community, Lynda leads her homeowner’s association and serves on the local chamber of commerce.


KeithaLeMaster

Keitha LeMaster, Life and Health Administrator

This management maven simplifies life for our customers and our internal team. Keitha’s administrative contributions ensure swift satisfaction and smooth operations throughout the claims process. In her spare time, Keitha pays it forward with the American Red Cross, Coups for Troops and at the Community Education Outreach Service of Jefferson County.


LisaMellott

Lisa Mellott, Agent

As a personal lines agent specializing in auto and homeowners insurance, Lisa wants our customers to pursue their dreams, leaving the details for her to handle. A 23-year industry veteran who spends her weekends camping, Lisa’s expertise allows our customers to pursue carefree, confident lives.


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Beth Mitchell, Agent

This longtime insurance agent is frugal—and proud of it. For the past 25 years, Beth has devoted her career to finding coverages suited to our customers’ finances. With Beth at the helm, our customers get more—and save more. After saving you money by day, Beth reads and relaxes with her family by night.


DebbieMyers

Debbie Myers, Agent and Customer Service Representative

As a front-line liaison for over 20 years, Debbie brings Smallwood and Small customers big results. Seasoned in all areas of insurance, Debbie upholds customer needs and troubleshoots with ease. Committed to helping all living things on two legs and four, Debbie supports the Humane Society in her spare time.


Eileen-Southerly

Eileen Southerly, Office Assistant

Shepherd University, B.S.

Whether she’s fielding calls or finding that missing box of toner, Eileen has the answers to pressing questions big and small. Nearly a decade ago, this former librarian brought her talents as a researcher and organizer to the Smallwood and Small team. In the years since, Eileen has proven herself to be a resourceful team member who’s eager to serve customers and colleagues alike.


LindaWinegarden

Linda Winegarden, Agent and Customer Service Representative

A Smallwood and Small personal lines expert for nearly 30 years (and an industry veteran for 40), Linda custom fits coverages perfectly to our customers’ lives. Her educational approach to the insurance process makes every customer feel confident and knowledgeable about their choices. When she’s not customizing coverages in the office, Linda enjoys traveling and participating in charity golf tournaments with her husband and girlfriends.

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