MEET OUR TEAM
JoAnne Gilliam
Risk Advisor / Personal Lines
989-631-3511
989-631-8480
Licensed in Property and Casualty and Life & Health
Has been in the insurance industry since 2002
Enjoys spending time with her children and grandchildren.
Jody R. Smith
Risk Advisor / Commercial Lines
989-631-3511
989-631-8480
Licensed in Property & Casualty
Certified Insurance Counselor (CIC)
Certified Insurance Service Representative (CISR)
Has worked in the insurance industry since 1991
Enjoys spending time with her family & spoiling her grandchildren
Melissa Noykos
Risk Manager
989-631-3511
989-631-8480
Midland native, attended Bullock Creek and holds a BA in Business MGT from Northwood University
Enjoys spending time with her family, as well as camping, horse shows and crafting
Member of BNI Success at Seven
Raemy Cameron
Risk Advisor/ Personal Lines
989-631-3511
989-631-8480
Licensed in Property and Casualty and Life & Health
Has been in the insurance industry since 2003
Joined the agency team in 2020
Northwood University Graduate
Member of the Coleman Business Association
Mark C. Bone
Principal
989-631-3511
989-631-8480
As agency owner, Mark began his insurance career in 1997
Personal and Commercial Lines Agent, licensed in Property & Casualty and Life & Health
Certified Senior Advisor (CSA)
Mark’s philosophy is “the customer is our most important asset”
Midland County Board of Commissioners Chairman
Board of Directors, Midland County Kids First, Midland County Economic Development, Midland Business Alliance, Great Lakes Bay Convention & Visitors Bureau
Member of Noon Rotary Club, Sons of the American Legion
Member of First United Methodist Church
Laura Ratkos
Risk Advisor / Personal Lines
989-631-3511
989-631-8480
Joined the team in 2021
New to the insurance industry after a 25-year career in banking.
Enjoys spending time with her family and spoiling her granddaughters.
Sharell Foco
Risk Advisor / Personal Lines
989-631-3511
989-631-8480
Licensed in Property & Casualty
Has been in the insurance industry since 2003
Joined the agency team in 2014.
Jamey Nichols
Risk Advisor / Commercial Lines
989-631-3511
989-631-8480
Licensed in Property & Casualty
Certified Insurance Service Representatives (CISR) designation
Has been in the insurance business since 1997 and joined the agency team in 2016
Enjoys camping and spending time with family and friends
Blain Anderson
Risk Manager
989-631-3511
989-631-8480
Licensed in Property & Casualty
Joined the team in 2016
Midland native, graduated from Northwood with BA in Business Administration
Member of Noon Rotary Club, Leadership Midland 2014
Payton DeWildt
Risk Manager
989-631-3511
989-631-8480
Licensed in Property & Casualty
Joined Bone & Bailey in September 2020 as a Risk Manager
Is a Midland native & graduated from Midland High School
Holds a Bachelor’s degree in Math & Finance from Spring Arbor University
Enjoys boating with family and friends in Charlevoix, MI
