About Us

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.

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


Richard & Mary Ann Clemow

The Founders

Richard E Clemow and Mary Ann Clemow started Business & Family Insurors, Inc in August of 1982. Richard was 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 principle 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 a number but a person. In fact, most of our clients feel as we do, they are a part of our family.


Karen Gonzalez

President & 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 the value of teamwork, building relationships and 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 holistic knowledge 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. 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 continue her education and work 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. Her children never cease to impress her with their love for life, various interests and simply by growing into the amazing young adults.


Angela Clemow

Personal 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 a 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

Property Management & Acquisitions

Richard has 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, he has a unique understanding of Florida, Florida weather, and the Florida insurance market.

Richard has been married for 12 years to a wonderful woman who also works in the insurance industry. He's also the proud father of an amazing 8-year-old son. On weekends, you can usually find him with my family and their two slobbering dogs, working on rental properties, or watching Japanese Samurai or old Kung Fu movies.

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1001 Highland Avenue NE
Largo, FL 33770

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