Meet our team!

Geoff Karlen

President

I graduated from WVU with an accounting degree. In 1992 I moved to Hagerstown and established the Geoffrey Karlen Agency, Inc.   I am actively engaged in the insurance and financial service industries as well the communities we serve.
Meeting new people and learning about their business and individual insurance needs is what excites be about this business.
On a more personal note, I enjoy tennis, skiing, travel and watching all sports. On weekends, you find me exercising, spending time with friends and family as well as working in my garden.
(301) 790-3304

James Van Kirk

Operations Manager

I grew up in College Park Maryland and studied at Montgomery College.
I have been in the insurance industry for 5 years and enjoy meeting new people to review their insurance needs. Being able to provide expert coverage analysis to protect someone’s most prized assets is a joy.

I love spending time with my wife and daughter and are huge foodies! We love cooking and trying new cuisines, along with going to the local minor league baseball games.
There are great local hiking trails here in Western Maryland.

(301) 790-3304

Barbara S. Gammeter

Associate Agent

I grew up on a dairy farm in Frederick County, Maryland. In addition to driving tractors and baling hay, I took piano, art, and ballet classes during my early years!
I’ve had strong personal lines experience for over 40 years both in a corporate office as an insurance underwriter and as an associate agent in an agency.
Having worked many years in the agency, it’s been fun seeing our client’s kids grow up and now have families of their own! The long-term clients and their trust are greatly appreciated.
A fun fact about me is that I have always loved doing embroidery for the quiet, creative, contemplative nature of this craft, and almost every September I enter vegetables from my garden in our county fair–and have won some nice ribbons over the years.
When I’m not working during the Spring/Summer, you can find me out-and-about with my husband and our dog, Jesse, and snug at home during the Fall/Winter.

(301) 698-1686

Kristen Barneski

Agent/SCR

I grew up in Mt. Airy and New Market, my childhood was in the Country, with my very large family living close by, making for lots of time together. Memories I will forever cherish.
I have 10 years of experience as a Customer Service Representative in the Insurance Industry, which led me to a career as an Insurance Agent with Karlen & Associates. I love that I have the ability to help others, along with expanding my knowledge and relationships. An exciting quality in my new role as an Insurance Agent.
I enjoy family time, adventures, relaxing,..Oh! and a CLEAN HOUSE…which rarely happens with a toddler running around, although I can’t complain; that boy is my whole world.
Guilty pleasure- Karaoke! Obnoxious I know, but so fun. On my days off, some of my favorite activities are family days at the creek riding four-wheelers, girls weekends, and I LOVE the beach!

(301) 831-0223

Michelle Jones

Associate/Customer Service

I grew up in Hagerstown, Md.
I got into selling insurance in 2014. I enjoy building a strong relationship with our policyholders.
Something that I really enjoy personally is spending as much time as we can with our family, especially since our two boys are grown now.
On weekends my husband and I enjoy spending time with our grandson and experiencing firsts again through his eyes!

(301) 739-5410

Alma Glotfelty

I love working with the public and spending time with my family.
A fun fact is that I play the bass drum for a local bagpipe band.

I love camping and riding my Harley. I really enjoy volunteering with the local rescue squad.

(301) 334-1040

Gera Faith

Customer Service Rep

I grew up in Hagerstown, MD.
I have had the pleasure of being a part of the industry for 27 years, of which the last four have been with Karlen & Associates Insurance Services.
I enjoy being able to help customers and assist them with their insurance needs.
Personally, I really enjoy anytime I can spend with my family and extended family. Fun fact about me: I enjoy all things Disney!
If I am not working I am with my husband, Rodney, and my two boys, William and Joseph on some sort of crazy adventure! We are either catching the latest movie, exploring a museum, on a geocaching journey, a beach-bound road trip, or traveling to Disney World!

(301) 790-3304

Charles Toms

Vice President of Sales

I Grew up in Smithsburg, MD

I have been in insurance for 30+ years. What I most enjoy about my job is helping our policyholders protect their most valuable assets.

Some fun facts about me: I enjoy traveling with my family. I also enjoy fishing, hunting, and relaxing in the outdoors.

When I’m not in the office, you can find me at the softball field, where I am a Head Coach!

(301) 739-5410

Timothy Minnich

I spent most of my life in Carroll County Maryland.
I have 32 years of experience in the insurance industry, and what I enjoy the most about my job is explaining to my clients about the need for adequate insurance coverage.
I enjoy spending time with my family and friends, hunting, camping, and riding my Harley.

(301) 334-1040

Debora Harker

Agent

For the first 17 years of my life, I lived in 5 States. So, after marrying and getting ready to start a family, I wanted to move and stay in one place for my children’s school life. We moved to MD and have lived here since 1985. I graduated from Bowling Green State University, with a BA in Human Resource Management.
I have been in the insurance business either working for my dad, myself, or with Geoff, since 1985. Something I love about working in this field is putting the puzzle together of what coverages and policies fit my commercial and life clients the best.
My “Happy Places” are the Outer Banks or Disneyworld with friends or family and I can’t stop talking about and showing pictures of my grandkids.
Fun fact: I am Disney Nerd and enjoy planning trips for family and friends, or hanging outside at a winery, sipping some wine.

(301) 831-0223

Darrell Karlen

Agent

I grew up in Buckhannon, WV. BS degree Fairmont College 30 years + experience in Personal, Commercial, and Life insurance. The thing that excites me the most about my job is to satisfy the insurance protection needs of our clients.
A fun fact about me is that I really enjoy playing tennis and outdoor activities!

(301) 698-1686

Jim Barger

Agent

I graduated from Linganore High School and got my degree at Mt St Mary’s University.
I have worked in the insurance industry for over 30 years and I enjoy helping our clients in the local community.
Something I love to do is hang out with my 5 kids in Ocean City, MD!

(301) 662-0210

Mary Pat Wright

Associate Agent

I grew up in Silver Spring, MD/Wheaton, MD area, and moved to Frederick County in 1990.
I have been in the Insurance Industry since January 1996 and have my Property & Casualty license. I like helping people save money on their insurance needs and make sure they have sufficient coverage to protect themselves and develop a business relationship with them while earning their trust.
I am passionate about photography and music! When I can, my camera and I go out and take pictures of nature, specifically flowers, scenery, and butterflies.
When I am not working, I am spending time with my husband and adult daughter. My husband plays bass in a local band and I go to all of his shows and help run sound and take pictures of the band and crowd enjoying the music. On the rare weekends he is not playing, we go see a friend’s band or find a new band to check out; I love to support local music and in turn support local bars/restaurants/venues.
I love to bake bread and sweets, just can’t beat the smell of fresh bread or cookies!
Something I love to do is travel and hope to do more of it in the near future.
Volunteering is very important for me; this year I helped raise $1500 for the Charles Town Fire Department in memory of a friend that passed away in January Also, every year the band my husband is in does a benefit for the MD Herion Addiction Awareness and other charities and I help them out and during Covid-19, we helped do some renovations to a restaurant/bar that we are friends with the owner to get them ready for the re-opening of their restaurant.”

(301) 662-0210

Maritza Campos-Machado

Associate Agent

I grew up in Montgomery County and moved to Frederick County during my teenage years, where I graduated at Frederick High School.

I started my insurance career in 2014 and what I most love about my job is helping out our clients and new members with their insurance needs; making sure they are protected properly. That is my top priority!

Some fun facts about me: I enjoy spending time with my family plus my doggie (Scooby). I love to travel and visit new places, especially the beaches.

I am a proud Latina who helps the Hispanic community!

(240) 475-7571

Johanna B. Serrant

Associate Agent

I am a Venezuelan-American raised in Miami, FL, and moved to Maryland for college in 2005 and never left.  I studied Business Administration at Montgomery College. Regarding my experience in the industry, I started as an intern at an Allstate agency in 2005 at the age of 18, where I obtained my Property & Casualty license and started my career in the insurance business. I fell in love with and developed a passion for helping people and educating them in their insurance, so I decided to continue in the industry after my internship ended. I later received my Life & Health insurance license to better assist my clients with all of their needs. Now,  I have 15 years of experience. What I love most about my job is my passion for helping people and educating them on their insurance needs. I feel happy every time I can help a client save money and also secure their family’s financial future.

Personally, I love salsa dancing and just recently started playing tennis as a hobby, and I’m loving it. I also enjoy traveling and going on hikes. My guilty pleasure is definitely karaoke; I’m a karaoke queen! When I’m not working you can find me mostly spending time with my family and church on Sundays. I’m also involved in numerous organizations which I volunteer but the one organization I’m most passionate about is the Move United formally Disabled Sports USA which serves wounded warriors.

(301) 377-3158

(301) 790-3304

(301) 698-1686 

(301) 334-1040

(301) 831-0223

19756 Longmeadow Rd. 
Hagerstown, MD 21742
186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702
12978 Garrett Hwy.
Oakland, MD 21550
602 Center St. Ste 107
Mount Airy, MD 21771