About Fred Kerns CIC, AAI, Owner

Hired at Smallwood and Small 7/1/1981 (28yrs)

Areas of Specialty:
Personal lines of insurance: Auto, Homeowners, Watercraft, Farms, Individual, Life & Health Insurance, and Medicare Supplemental Insurance.

Commercial Insurance: Property and Liability, Inland Marine, Workers Compensation, Surety Bonds, Commercial Fleet and non Fleet Auto Insurance. Commercial employee benefit programs- Group Health Insurance.

Interest & Hobbies:


Smallwood & Small Insurance
121 Administrative Dr. Suite 200
Martinsburg, WV 25404
Phone: 304.263.3361
Fax: 304.263.3412
Toll Free: 1.800.745.8483