Our Company


CNR Insurance, Inc. also trading as First Insurance Services and Carl Rutan Insurance Agency is a full-service, independent insurance agency representing several highly rated insurance companies for all types of personal, business and life insurance related products.

In 1981, Fred & Terry Crismond founded The Crismond Insurance Agency in Annapolis, MD. Fred & Terry worked very hard, grew a good book of business from scratch and enjoyed many good years in the business before they decided to pursue aspirations outside of insurance. In 2001, Fred & Terry retired from insurance and the now present owners, Stacey Nicholson & Bill Reagle, with great pride and a sense of honor, took the helm.

Prior to that acquisition in 2001, Stacey had worked as a District Sales Manager and a Branch Sales Manager for Erie Insurance in Silver Spring, MD with a history dating back to 1989. Bill had worked for Erie Insurance, also, as a Claims Representative from 1990 to 1992, then as a Sub-Agent for another agency representing Erie Insurance from 1992 to 2001. Both entered into the insurance business right out of college.

Stacey & Bill worked hard to service their clients and grow the business organically from 2001 to 2012. Then in 2012, they found a group of gentlemen who, like Fred & Terry, grew a really nice client base and book of business over the years, but were ready to slow it down a bit and shed some of the responsibilities of agency ownership. Those gentleman were Bill Roberts, Ernie Catucci & Ron Farley and they owned First Insurance Services, originally founded in 1973.  Whereas Bill is now fully retired, Ernie & Ron continue working with us to this very day.

With the acquisition of First Insurance Services came great Customers and great Employees. The alignment was exceptional! Not only did we share the same values in regards to providing second-to-none customer service and providing an outstanding place to work for our employees, but we also represented many of the same insurance companies which made the integration much more seamless for our customers and employees

In what seemed like the blink of an eye, a short 5-years later (2016) Carl Rutan approached us and wanted to settle down as well.  He made it very clear that his first matter of business was to find an agency that could provide exceptional service to his clients without missing a beat.  He knew us personally, knew we had the right people and experience to meet his primary objective, and so a merger had formed.  Although Carl is no longer involved in the day to day operations of the agency, he is available whenever he is needed.

In closing, we feel we represent some of the finest insurance companies in the Nation and have the best staff that clients and owners could ever want. This means superior service from our account managers, comprehensive coverage and competitive prices from the highly rated companies we represent… all for you, our valued clients! We encourage you to visit our “Reasons to do Business” page and then give us a call us at 888-801-2171 for all of your insurance needs.  We are standing by and ready to serve you.


Stacey Nicholson & Bill Reagle