The Next Level of Service
Based in Largo, Florida, Business & Family Insurors Inc. is here to protect your personal and business finances with coverage written by our team of experienced insurance agents. Since 1982, Business & Family Insurors have been serving the insurance needs of residents and businesses of Largo, Florida and the Bay Area.
Additionally, Business & Family Insurors is a Largo, Florida insurance agency that gives a level of choice that is unmatchable to most other agencies. Our customers are confident in our proven ability and longevity as a company. We have more than 50 years of experience and we live by our motto, "where Integrity is a way of business." We earn your business by delivering first-class service.
Meet the staff of Business & Family Insurors in Largo, Florida
The Founders
Richard E. Clemow and Mary Ann Clemow started Business & Family Insurors, Inc. in August of
1982. Prior to this, Richard served as the Deputy Insurance Commissioner of Pinellas County for the
State of Florida Department of Insurance for 10 years, while Mary Ann was the Office Manager and
Commercial Underwriter for a local insurance agency.
Business & Family Insurors, Inc. was founded on the principle that everything we do should be done with integrity. From the very beginning, we decided that our motto would be “where integrity is a way of
business.” This commitment has remained unchanged as our children—Karen, Richard Jr., Ronald, and
daughter-in-law Angela—have continued this philosophy. We are now a 3rd generation business as our
granddaughter Michaela has joined us. We take pride in maintaining our family-run insurance agency
where clients are not just a number but valued members of our community. In fact, most of our clients
feel as though they are a part of our family, further solidifying our commitment to integrity and personal
service.
President & Commercial Lines Manager
Growing up in the family business, Karen has developed a strong sense of responsibility to our clients, our agency, the companies we do business with, and the Largo community. She knows the value of teamwork, building relationships, going the extra mile to be happy and successful. Karen began working full-time in the agency after graduating from Clearwater High School in 1986 and has since worked in each area of the office in some capacity, giving her a holistic knowledge to best operate in her current position. Originally obtaining her insurance license in 1991, Karen believes in education, staying current with insurance trends and products, maintaining strong ties with industry insurance association, and making meaningful community connections.
Karen is actively involved with the Florida Association of Insurance Agents (FAIA), where she works to support the growth and success of the insurance industry in Florida. She is a past committee chair and is an active in a mentorship program available to new agents and agencies around our state. She also currently serves on the Executive Board of Directors of the Central Pinellas Chamber of Commerce, furthering her commitment to the community and local businesses.
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. Their children never cease to impress them with their love for life and varied interests. Spending time outdoors and appreciating all that Florida has to offer has always been big part of their family life. In addition, Karen is excited to embrace the joy of being a grandparent which has added a new dimension of happiness to her life.
Personal LinesProperty Manager
Angela Clemow, a native Floridian, grew up on Indian Rocks Beach and is a proud graduate of Largo High School. She began her career with Business & Family Insurors, Inc. in February 2000 while attending St. Petersburg College. Angela is married to Richard E. Clemow, Jr., and they have a son, Richard A. Clemow.
In March 2004, Angela earned her Florida 2-20 General Lines Agent license and has since become an expert in personal lines property coverage. She earned her CPII (Certified Professional in Insurance) designation in July 2020 and her CISR (Certified Insurance Service Representative) designation in August 2023, further solidifying her expertise in the field.
As the manager of personal lines at our office, Angela serves as the primary point of contact for homeowners, mobile homeowners, auto, RV, and motorcycle insurance, working diligently to find the best coverage options for her clients. She also maintains strong relationships with our insurance carriers and continually seeks new products that will provide enhanced value to her clients.
In addition to her work at Business & Family Insurors, Angela is actively involved with the Florida Association of Insurance Agents (FAIA) and serves on their Pay It Forward Committee. She participates in Capitol Days, an event hosted by FAIA where insurance agents gather in Tallahassee, Florida, during the legislative session to meet with lawmakers and advocate for issues impacting the insurance industry.
Property Management & Acquisitions
Richard has been working in some capacity in the insurance field for 35 plus years. As a Florida native who was born into the insurance industry, he has a unique understanding of Florida, Florida weather, and the Florida insurance market.
In addition to his professional achievements, Richard is dedicated to his family, having been married for 22 years to his wife, who also works in the insurance industry. Together, they have raised a 17-year-old son who is preparing to attend Florida State University.
Outside of work, Richard enjoys exploring his passion for permaculture gardening and hunting for vintage vinyl records, finding both relaxation and inspiration in these hobbies.
Customer Service
Charlene came out of retirement in 2022 and began working for us part time, calling upon her administrative and marketing background skills to assist us with the day-to-day customer service duties of our office. She has lived in Pinellas County for over 50 years and has one daughter and one grandson who are native Floridians.
Her voice is the one you will most likely hear when you call in, although since joining our "family" she is often told that she sounds just like Karen and Angela!
Charlene's main hobby is golf, and she is the current president of the Tampa Bay Chapter of the American Singles Golf Association. Since she works part time, this means she spends as much time on the course as possible. One of her other passions is fishing and between the two, that's a great reason to live in Tampa Bay.
Agent
Michaela’s journey in the insurance industry began at a young age, having grown up surrounded by the field. After graduating from Largo High School, she attended St. Petersburg College. In early 2024, Michaela joined our team, where her commitment to professional growth quickly became evident. She first earned her 4-40 Customer Service Representative License and, driven to expand her knowledge, obtained her 2-20 Agent’s License in November. Michaela is excited to continue building her career with us, bringing her dedication and passion for insurance to every client she serves.
