Meet the Staff of Business & Family Insurors in Largo, Florida

Richard & Mary Ann Clemow
Richard & Mary Ann ClemowThe Founders
Richard E Clemow and Mary Ann Clemow started Business & Family Insurors, Inc in August of 1982.
Richard had been the Deputy Insurance Commissioner of Pinellas County for the State of Florida Department of Insurance where he worked for 10 years. Mary Ann was the Office Manager and Commercial Underwriter for a local insurance agency.

Business & Family Insurors, Inc was founded on the principal that everything we do should be done with integrity. Therefore we decided from the very beginning that our motto would be “Where Integrity is a way of Business.” This has not changed as our children, Karen, Richard Jr., Ronald, and daughter-in-law Angela have continued this way of business. Yes, we are a family run insurance agency where you are not just a number but a real person. In fact, most of our clients feel as we do, they are a part of our family.

Karen Gonzalez
Karen GonzalezPresident & Commercial Lines Manager
Growing up in the family business, Karen has developed a strong sense of responsibility to our clients, the companies we do business with and the Largo community. She knows it takes all of us working together, building relationships and going the extra mile to be happy and successful. Karen began working full time in the agency after graduating Clearwater High School in 1986 and has since worked in each area of the office in some capacity giving her the rounded knowledge needed in her current position as President. Originally obtaining her insurance license in 1991, Karen believes in education and the need to stay current with insurance trends and products. To this end, she has fulfilled all of the requirements to obtain her Certified Insurance Service Representative (CISR) and Certified Insurance Counselor (CIC) designations. She is ready to begin the next adventure working towards the Certified Risk Manager (CRM) designation. This will give her more detailed tools needed to assist her clients in identifying, analyzing and managing their insurance to cover risks. When not working, you will find Karen enjoying the most important thing in her life, her family. Karen is married to Jeff. They have 3 children, Zack Matt and Michaela, who never cease to impress her with their love for life, their varying interests and simply by growing into the amazing young adults they are.
Angela Clemow
Angela ClemowPersonal Lines Property Manager
Angela , a native Floridian, grew up on Indian Rocks Beach. She graduated from Largo High School and immediately started working for Business & Family Insurors, Inc. in February of 2000 while attending St. Petersburg College. She is married to Richard E. Clemow, Jr. and they have a son, Richard A. Clemow.
Angela became a licensed 2-20 Florida General Lines Agent in March of 2004. She currently manages the personal lines property coverage for our office. She is the main contact at our office for homeowners/mobile homeowners quoting an will work to find the best coverage for you. She is also responsible for maintaining company relationships and is always on the lookout for new products that will benefit her clients.
Richard E. Clemow
Richard E. ClemowProperty Management & Acquisitions
I have been working in some capacity in the insurance field for 25 plus years. As a Florida Native who was born into the insurance industry since birth, I have a unique understanding of Florida, Florida weather, and the Florida insurance market.
I enjoy making insurance understandable. Married for 12 years to a wonderful woman who also works in the insurance industry, I am also the proud Father of an amazing 8 year old son. On weekends, you can usually find me with my family and our two slobbering dogs, working on rental properties, or watching Japanese Samurai or old Kung Fu movies.
Ron Clemow
Ron ClemowAuto Insurance
Ron Clemow is a native Floridian, grew up in and is still a resident of Clearwater and graduated from Largo High School. Having been in the insurance industry since the 1990’s, he has worked for Business & Family Insurors, Inc as well as other insurance companies in many different departments, expanding his experience and knowledge throughout the industry.

While also handling the technology in the office, Ron Clemow handles the Auto Insurance in the office, striving to give the best service and rates to the clients of Business & Family Insurors, Inc.