About Us
First Insurance Agency stresses insurance education for its staff. Many of our staff have received the Certified Insurance Counselor (CIC) designation. The CIC designation is conferred upon persons in the insurance industry with a minimum of two years experience who have passed five two hour examinations covering numerous aspects of insurance products. To maintain the designation, a CIC must annually complete twenty hours of continuing education.
* If you would like to e-mail any of our staff, you may do so by clicking on their name *
THE PRINCIPALS
Mark Justice CIC - because someone has to do it. Mark is the president and keeps all the pieces of the puzzle in order. He was born and raised in Kerrville Texas. He is a graduate of Texas A & M University – Corpus Christi where he earned his B.B.A. in Management Information Systems. After graduation, he joined the agency, and went on to acquire his Property & Casualty Insurance License.
Since then, Mark has continued his studies and earned many local and industry recognitions, including being selected to represent the Hill Country Area on the Hochheim Prairie Farm Mutual Insurance Association’s Agent Advisory Committee. In 2010 Mr. Justice also became a partner in the agency when he purchased the remaining shares held by Jim Stehling, formally of Fawcett Insurance Agency. Shortly after that, he continued his studies and has obtained his Life & Health License. Mark continues to focus on selling multiple product lines of insurance in both personal and commercial, as well as Life, Insurance areas.
CUSTOMER SERVICE STAFF
Brian Thomas - Brian joined the First Family Team back in 2021 and brings a depth of Insurance knowledge to help solve any of your insurance needs. His career spans over the past few decades, all locally here in the Hill Country area, starting with an insurance company; and most recently working for Allstate, the past few years, in Kerrville.
That has lead him to quickly become our go-to Allstate source for all of our client's needs, as well, now. More recently Brian has begun focusing on helping our clients with their commercial insurance needs also. Feel free to reach out to Brian for any insurance fixes you may need and he’ll search for the best solution for you!
Ellen Milam CISR - she's spent her career in various commercial insurance backgrounds, perfecting her knowledge to meet your coverage needs! She is a Certified Insurance Service Representative who has been in the insurance industry for over 25 years. She previously transitioned from another insurance agency in Uvalde Texas.
Ellen has a strong back ground in all types of commercial lines insurance and is a certified notary public. Please feel free to contact her for your commercial insurance needs.
Mike Laymon - Mike and his wife Allison, finally decided to leave the big Capital of Austin, for the slower pace of life here in the beautiful Texas Hill Country. While in Austin, Mike worked for almost 15 years in a large, multi-state, multifaceted insurance operation; building up his insurance knowledge, alongside an amazing career.
Now Mike has joined forces with First Insurance, and is excited to continue his storied career in the industry, while getting closer to his clients and providing the customer service they deserve. When not focusing on Insurance, Mike enjoys staying connected to the event, entertainment, and hospitality industries, and is a big supporter of the local Kerrville Folk Festival. No doubt Mike’s analytical skills and business background, will be a huge asset to all of our business Friends & Family at First Insurance. Please feel free to contact Mike for any of your commercial insurance needs or policy questions.
Bessie Smith - Bessie recently relocated from the San Antonio area, where she worked for many years in the metro / personal auto insurance market. Having worked a variety of positions, through several different company mergers, Bessie quickly became well versed in the car insurance industry.
Since then, she’s now joined First Insurance Agency, to be closer to family, and continues to expand her insurance knowledge into the property & liability side of the industry as well. Let Bessie be your gate keeper to lower prices, while maintaining the coverage you need, and providing excellent customer service. Please feel free to contact Bessie for any of your personal lines insurance needs!
Nahemi Lopez - Nahemi is the Vice President of Marketing and Operations. Nahemi holds her property and casualty insurance license, and is our “secret” agent, helping us do more “behind-the-scenes”, to better serve all of our customers. She’s also the Friendly Face at First Insurance, greeting everyone each day; as well as our social media marketing secret, who keeps our name out there, so you all can find us too!
Nahemi has an extensive background in customer service from her banking career days, where she worked her way up to Service Manager Level 2, here at our local Wells Fargo branch location. She's also bilingual in the Spanish language and has participated in the Hill Country Charity Ball Association (H.C.C.B.A) to help nonprofits for the past few years. Say “Hi” to Nahemi, next time you stop by our Kerrville office!
SALES AGENT
M. Ronald Johnson - While not THAT type of agent, Ron has been pushing customers prices DOWN and coverages UP, for over 30 years! Ron has served in multiple capacities throughout his tenured insurance career, including for many large agencies across the Lone Star State. He also served 4 of those years as an insurance adjuster, and 11 as an insurance investigator.
When Ron and his wife, followed other family members relocating to Kerrville for the slower pace of life, he found First Insurance Agency was the perfect fit, for his expert knowledge and tenured history in insurance. Ron has both his Property & Casualty, as well as Life & Health Insurance licenses. Given his extensive insurance background, he’s well versed in multiple areas of both personal, farm and ranch, and commercial insurance products. We’re thrilled to have Ron on our team, always pushing for our customer’s best interest! Please reach to Ron for any of your insurance needs and he’ll be happy to push for the best deal, for you, too!
Niccolo Toscano - Nicco joined First Insurance Agency in 2025 to begin his long and successful career in the Insurance Industry! We’re proud and honored that Nicco has selected us, to be his first agency office, as he recognizes the long term commitment and value we provide to all of our local Hill Country Friends & Family.
Nicco has made Kerrville his home the past few years, working with many other locally owned and operated businesses, before making the leap into his insurance career. He resides in Kerrville, with his fiancé Kylie (also a local Kerrville resident) and their young daughter, Hadley. Nicco is a college graduate, of our local Schreiner University, and holds both his Property & Casualty, as well as, his Life & Health Insurance licenses. Since Joining on with First Insurance, Nicco has been helping people navigate the insurance market, while maintaining the coverage you need, at an affordable price! Consider Nicco as your “go-to” source, for shopping all of your personal insurance needs. Let Nicco help you keep your costs low, and make sure you’re still in line, with the current market prices!
PHOTOGRAPHY
Paul Huchton I am available to photograph weddings; portrait sessions; events; and commercial/contract photography in the Texas Hill Country (Kerrville area). Contact me 830-377-6662 for more details. Thank You.