Our People

We have choices, so you have choices. As an Independent Insurance Agent we represent competing insurance companies. Our licensed agents and staff work hard to make sure you have the right protection at an affordable price. We always review your policies at renewal time making sure that you are always getting the right protection at the right price.

Ross Richey

Owner / President p(270) 543-1124

Ross is President and owner of Lawton Insurance. His passion for providing insurance solutions for clients began while working at Lawton during the summers of his college career. He graduated from Western Kentucky University in 2006 with a Business Management Degree.

Ross’s professional designations are important to him. He recognizes the complexities of the insurance industry and knows he must remain current and knowledgeable of the insurance product in order to best serve his clients. As an alumnus of the State Auto PaceSetter program, he has developed superior methods for providing client-oriented service. He holds the Accredited Advisor in Insurance and the Certified Work Comp Professional designations, and is currently working toward his Certified Risk Management designation.

Involvement and service to the local community has always been a part of Ross’s makeup. He was named Young Entrepreneur of the Year in 2008 by the Greater Muhlenberg Chamber of Commerce. He is currently participating and learning about that local community as a member of the 2012 Class of Leadership Bowling Green.


Stephen P. Durham, CIC

Executive Vice President p(270)836-4674

Originally from Madisonville, KY, Stephen Durham is a graduate of Murray State University and began building the Cole & Durham Insurance family nearly three decades ago. With more than 20 years of insurance experience, Stephen is a Certified Insurance Counselor and a member of the Motorists Mutual President’s Advisory Council, and he is dedicated to building lasting relationships with every one of his valued clients. In his free time, Stephen enjoys spending quality time with his wife, Starr, and their children, Miles and McKinsey. Stephen also enjoys coaching high school soccer, golfing, and hunting.


Bryan Buchanan

Executive Vice President p(270)821-5527

A graduate of Western Kentucky University, Bryan Buchanan joined the Lawton Insurance family in 2008. A Certified Benefits and Wellness Advisor, Bryan specializes in commercial and personal lines, as well as employee benefits. Building relationships and providing outstanding service to clients are what matters most to Bryan. In his free time, he enjoys spending quality time with his wife, Natalie, their son, Asa Michael and daughter, Abby Jo.


Lori Parks Byers

Account Executive p(270)836-3585

A Madisonville, KY native and a graduate of Kentucky Wesleyan College, Lori Parks Byers joined our Insurance family in 2005. With more than a decade of insurance experience, Lori specializes in personal and commercial lines and strives to find each client the best possible rate and most comprehensive coverage plan available. Lori enjoys spending time with her husband, Ben, and two children, Jon-Hunter and Sophia. She also loves entertaining friends, cooking for loved ones, and getting lost in a good book.


Buddy Cardwell

Account Executive p(270)-821-5527

A native of Madisonville, KY and a graduate of WKU, Everett “Buddy” Cardwell, Jr. joined the Cole & Durham Insurance family in 2015. With more than two decades of insurance experience, Buddy specializes in commercial lines and is dedicated to finding the right coverage at the best possible rate for each of his clients. Buddy enjoys spending time with his wife, Monica, and their five children, Kris, Drake, Hannah, Rhett and Hanner. Buddy also enjoys spending time in the great outdoors hunting and boating.


Darla Nannie

Personal Lines Account Manager p(270)821-5527

A native of Bremen, KY and a graduate of Madisonville Community and Technical College with honors, Darla Nannie joined the Cole & Durham Insurance family in 2015. Darla specializes in property and casualty insurance and enjoys building relationships with each of her clients. In her free time, Darla enjoys cooking, stained glass and herb gardening, as well as spending time with her daughters April and Samantha.


JD Lester

Account Executive p(270)821-5527

A native of Madisonville, KY and a graduate of Transylvania University, JD Lester joined the Cole & Durham Insurance family in 2015. JD specializes in personal lines and is dedicated to finding the right coverage at the best possible rate for each of his clients. When he’s not busy customizing insurance plans, JD enjoys spending time with his wife, Katelyn, golfing, traveling, and spending time in the great outdoors.


Kenzie Ja-Na Vincent

Life and Health p(270)821-5527

A native of Belton, KY, Kenzie Ja-Na Vincent started her career at Cole & Durham in 2015. Kenzie specializes in writing Health and Life Insurance, and makes you feel at home while finding the perfect coverage at the best possible rate for her clients. Kenzie enjoys the outdoors, riding four wheelers and boating, while spending quality time with her husband, Jordan, and their fur babies, Biscuit, Captain and Harry.


Karla K Martz

Commercial Lines Account Manager p(270)821-5527

A native of Madisonville, KY, Karla Martz brings her 19 years of experience in the insurance industry to the Cole & Durham Insurance family. Karla specializes in commercial lines and enjoys finding the perfect coverage at the best possible rate for her clients. In her spare time, Karla enjoys spending quality time with her husband, Mike, her two children, Ashly and Amber, and her two wonderful granddaughters, Amelia and Kylie. Karla also enjoys camping, gardening, baseball and supporting the Girl Scouts.


Kendra Schwartzlose

Personal Lines Account Manager p(270)821-5527

A native of Madisonville, KY, Kendra Schwartzlose started her career at Cole & Durham in 2016. Kendra specializes in personal lines, and has a fresh approach when finding the perfect coverage at the best possible rate for her clients. In her spare time, Kendra enjoys spending quality time with her husband, Christoper, and their three children, Anya, Abbott and Amber. Kendra also enjoys music and attending church with her family.


Courtney Nelson

Receptionist p270-821-5527

A native of White Plains, KY, Courtney Nelson joined the Cole & Durham Family in 2017. Courtney currently works as the receptionist for Cole & Durham; always wanting to greet you with a kind word and a smile. In her spare time, Courtney enjoys rescuing animals, cooking, costume making, hiking, playing guitar, and spending time with her husband and dogs.