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Hanford (559) 584-4495 | Visalia (559) 622-9400

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Meet Our Awesome Staff

You know you need insurance. You also know you don’t want to pay a dime more than you need to. We get that. But securing proper insurance to sufficiently safeguard your way of life, well, it’s not as easy as it seems.

There are constant changes in the insurance industry, so it’s critical that your insurance agent keeps up and receives constant training.

Carl Nelson Insurance invests in constant and rigorous training for its agents and support staff. We are passionately committed to protecting your way of life, whether its your personal life or the life of your business.

So we are pleased to introduce you to our staff. Our AWESOME staff that is ...

CIC = Certified Insurance Counselor
CISR = Certified Insurance Service Representative
AFIS = Agribusiness & Farm Insurance Specialist

Carl Nelson, President, CIC

Carl Nelson, President, Insurance Agent

In 1977, Carl started in the insurance business as a Farmers insurance agent. In 1980, Carl decided to leave Farmers Insurance Company to open Carl Nelson Insurance Agency, Inc. so he could provide his customers with multiple insurance companies and provide the best possible coverages. Carl’s philosophy has always been to be honest, provide his customers with the best coverage possible, treat all customers with respect, and provide a friendly atmosphere. Carl has been fortunate enough to have his three sons join him in the business. When not in the office, you can find Carl on his boat, Ofishal Business.

Jon Nelson, Vice President, Agent, Commercial

Jon Nelson, Insurance Agent

Jon began his insurance career in 1988. He started by selling personal insurance, but three months later, jumped into the commercial world. He worked with all types of contractors and did particularly well with tract home builders. He continues to insure contractors of all types and has expanded to writing Farm Labor Contractors. Jon enjoys helping his clients by not only providing them with excellent coverage, but also by giving them new business ideas. When not working, he enjoys golf and spending time at home with his family. He adds, “I’m very proud of the history of our company, and I really enjoy working with my dad and brothers.”

Mark Nelson, Vice President, Agent, CIC, Commercial

Mark Nelson, Insurance Agent

After graduating from California State University in Fresno, Mark began working at Carl Nelson Insurance in 1987. He has worked with numerous types of insurance, but now specializes in agribusiness with CNI Agribusiness Solutions. Mark finds helping clients very satisfying, especially when it's for the first time. Despite his many years as an insurance agent, Mark says, “I find there is always something new to learn everyday.” When not working, Mark enjoys travel and outdoor activities.

Todd Nelson, Vice President, Agent, CIC, Commercial

Todd Nelson, Insurance Agent

Todd began with the company in 1997. He worked for one year with personal insurance and then switched to commercial. He is experienced with all commercial risks, but he now specializes in construction. Todd particularly likes helping clients assess their insurance needs and going to the insurance markets to secure the best coverages at the least expense. When not at the office, you will catch Todd on the golf course or spending time with his wife and kids.

CARL A. NELSON, AGENT, COMMERCIAL

Carl A. Nelson, Commercial Service Representative — Commercial

Carl joined the family business in 2013.  He graduated from Fresno State with a Business Degree in May of 2016.  Carl can help you with all your Commercial Insurance needs.  When Carl is not busy working, he likes to fish and hunt.

Mike Royer, Agent, Commercial, AFIS

Mike Royer, Insurance Agent

Mike has been with the agency for several years working in the Commercial Lines Department. Mike works mostly with the ag industry with CNI Agribusiness Solutions. He is also working to create a similar program for motorcycle dealerships. Mike takes tremendous pride in making sure his clients are properly protected. As an example, he said, “I worked on a complex agribusiness account with many different exposures. We were able to set up the account properly by transferring risk where we could and providing insurance coverage for the rest. The end result for the client was better coverage and a reduction in premium.” Off the job, Mike enjoys playing golf and spending time with his family.

Mike Tarter, Agent, CIC, Commercial

Mike Tarter, Agent, CIC, Commercial

Mike began working in the Commercial Lines Department in 2005. He specializes in insurance for all types of contractors. Mike earned his Certified Insurance Counselor designation in 2012. When not working, he enjoys playing golf with his family.

Melissa Menezes, Business Manager, CISR

Melissa Menezes, Business Manager, Agent — CISR, Personal

In 2003, Melissa began her work at Carl Nelson Insurance as a receptionist. She soon obtained her Property and Casualty License and joined the Personal Lines Department. Today she oversees our Personal Lines Department and is our Business Manager. Outside of work, Melissa enjoys spending time with family and friends.

Robin Westmoreland, Agent, Personal Lines, CISR

Robin Westmoreland, Agent — CISR, Personal

In 1992, Robin joined Carl Nelson Insurance as a receptionist. She is currently an insurance agent in our Personal Lines Department in our Visalia office. Robin enjoys helping clients. She said, “I like getting to know them and developing our relationship over the years and seeing how their lives change and progress.” She has completed the Certified Insurance Service Representative designation. She likes the upbeat office environment, too. Off the job, Robin enjoys traveling, scuba diving, hiking, biking, cooking, reading, and seeing movies.

Janelle Phelan, Agent, Personal Lines

Janelle Phelan, Agent — Personal

Janelle began with Carl Nelson Insurance in 2004 as a receptionist. Today she works as a personal insurance agent. Janelle enjoys the teamwork atmosphere of the office and interacting with clients. She recalled, “When a young couple came in to purchase homeowners insurance for the first time, I explained their coverages and how their policy worked. They were a cute couple and so excited. They hugged me.” Janelle is extremely knowledgeable when it comes to flood insurance. When not working, she likes to spend time with her family and travel.

MICHAEL DE ARCOS, AGENT, PERSONAL LINES, CISR

Michael De Arcos, Agent — Personal Lines

Michael joined us in 2013 as a personal lines agent with eight years of experience. He enjoys helping customers save money and solve problems. Michael especially likes interacting with clients and hearing their jokes and stories. When not working, Michael likes to golf, bowl, and spend time with friends and family.

Denise Hanse, Commercial Lines Manager, Customer Account Executive, CISR, CIC, Commercial

Denise Hanse, Commercial Lines Manager / Account Representative — CIC, Commercial

Denise began her career with us in 2001 working in the Personal Lines Department. In 2003, she began working in the Commercial Lines Department and then became Department Manager in 2006. When not working, she is busy with her son’s activities and enjoys spending time with family and friends.

Candice Hildebrand, Employee Benefits Manager, Workers Comp Claims Manager

Candice Hildebrand, Employee Benefits Manager / Workers Comp Claims Manager — Personal, Commercial

Candice joined Carl Nelson Insurance in 2006 in the Employee Benefits Department. She specializes in group and individual health, life, and dental plans. Candice enjoys working with clients, staff, and the Nelson family. She says, “I especially enjoy being able to resolve claim issues and to help clients to obtain insurance that they did not know was available for them.” Off the job, Candice enjoys being around family, friends, and traveling.

Adrienne Long, Customer Account Executive, CISR, Commercial

Adrienne Long, Customer Account Executive Representative — CISR, Commercial

Adrienne joined Carl Nelson Insurance in 1997 in the Personal Lines Department. She moved to the Commercial Lines Department in 2007, and really enjoys her job as a customer account executive. When not working, she likes to spend time with her family.


Eseta Tuipala, Customer Service Representative, Claims, Commercial

Eseta Tuipala, Employee Agent Account Executive — Commercial

2012 marked the beginning of Eseta’s career at Carl Nelson Insurance as an employee benefits account executive. She came to the company well prepared with a prior background in health insurance of 10 years. She joined the Commercial Lines Department in 2013 as a customer service representative. Eseta said, “The thing I like most about my job is the sense of family and loyalty. For the most part, everyone has been with the company many years and that speaks volumes in and of itself. Happy employees stay where they are treated well.” Eseta’s hobbies include painting, water sports, and spending time in her hometown of San Diego with family and friends.

Stella Chavez, Customer Account Executive, Bonds - CISR,

Stella Chavez, Customer Account Executive — CISR, Bonds

Stella joined Carl Nelson Insurance in 2004 as a Customer Account Executive. She also handles our bond department. Stella enjoys working with her clients and helping them with their insurance needs. She is proud of having obtained her Certified Insurance Service Representative designation. When not working, Stella enjoys spending time with her family.

Jaime Rocha, Customer Account Executive, CISR, Commercial

Jaime Rocha, Customer Account Executive — CISR, Commercial

Jaime came to Carl Nelson Insurance as an Employee Benefits Representative. She then joined our Commercial Lines Department. Jaime enjoys working with clients and coworkers. Jaime is proud to have obtained both her Life & Health and Property & Casualty License. When not working, Jaime enjoys spending time with her family.

Sandra Dean, Customer Service Representative, Claims, Commercial

Sandra Amador, Receptionist and Social Media Marketer

Sandra began as a receptionist at Carl Nelson Insurance in 2012. She recently joined the Commercial Lines Department at the end of 2013 and finds the new position both challenging and rewarding. When not working, Sandra loves playing with her two doggies and hanging out with “my best pal and husband, Bryan.”

Crystal Bell, Agent, Personal Lines

Jaime Rocha, Customer Account Executive — CISR, Commercial

Crystal came to Carl Nelson Insurance in 2013 to work as a receptionist. She recently joined the Personal Lines Department as an agent. She likes the fun and friendly environment of Carl Nelson Insurance, as well as learning how to do new tasks. When not working, Crystal enjoys reading, boating, and spending time with her family.

Krystel Fowler, Receptionist

Krystel Fowler, Receptionist

Krystel joined Carl Nelson Insurance in 2013. She likes helping clients and enjoys the staff. “There’s a lot of laughing around here, and we all appreciate one another’s company,” she said. She’s proud that she learned how to process mail efficiently, especially scanning and organizing it. Off-hours, Krystel loves baking and spending time with her family.

JOANNA FRANCO, AGENT, PERSONAL LINES

JOANNA FRANCO, AGENT, PERSONAL LINES

Joanna began working at Carl Nelson Insurance in 2014.  During this time she has obtained her Property & Casualty Insurance License.  She is currently a Personal Lines Agent in our Hanford office.  Joanna enjoys working with clients and coworkers.  When not working, Joanna likes spending time with her family and her schnauzers.

TIFFANY WILDE, CUSTOMER ACCOUNT EXECUTIVE, COMMERCIAL

TIFFANY WILDE, CUSTOMER ACCOUNT EXECUTIVE

Tiffany joined the Carl Nelson Insurance team in 2015.  Tiffany feels that it is very rewarding to have great clients who appreciate her hard work; Customer service is a top priority to her.  One of her proudest accomplishments was obtaining her Property and Casualty Insurance License.  She enjoys spending time with her family, friends, and pup.

MARIA CALDWELL, AGENT, PERSONAL LINES

MARIA CALDWELL, AGENT, PERSONAL LINES

In 2015, Maria began working at Carl Nelson Insurance in the Personal Lines Department.  She enjoys helping clients with their insurance needs, giving them better coverages and saving them money.  Maria enjoys attending community events and meeting new people.  When not at work, Maria loves watching football and spending time with her family.