Our Team

Choosing the right insurance agency will make a big difference – in experience and value.

The Andrew Agency will help you compare coverage options and rates to find the best value for your insurance needs. As a Trusted Choice independent agency, The Andrew Agency is committed to doing business the right way and being your advocate in times of need.


Ryan Andrew | President

Ryan started The Andrew Agency after years of working side by side with clients helping them recover from the unexpected. My clients work with me because I provide knowledge, choice and advocacy. As a Trusted Choice independent agent, I work for you, not the insurance company.

My goal is to help you find the best combination of coverage, discounts and price. I will help you customize an insurance policy specifically to your needs and budget. I will compare plans among multiple companies and then recommend the best option for you and your family. The bottom line…if you live in Virginia, Maryland or D.C. call me and I’ll handle it.

Phone: 804.320.2886 x 101  Email: [email protected]


Harris, Justin - Profile PicJustin Harris | Commercial Advisor

Justin joined The Andrew Agency to help clients implement integrated insurance strategies for personalized asset protection. As an independent agent backed by The Andrew Agency’s experience and resources, he works closely with you to review your risk exposures and develop a proactive insurance plan to address important coverage areas.

Prior to joining The Andrew Agency, Justin served for ten years as an independent investment advisor in Charlottesville and Richmond helping individuals, families, estates, and business owners comprehensively manage risk. He also has previous experience working in Central Virginia’s commercial real estate industry focusing on the acquisition, management, and disposition of investment properties. Justin is a Virginia native and received his B.A. degree from the University of Virginia.

Phone: 804.320.2886 x 102      Email:[email protected]


Adam Winfree | Personal Lines Advisor

Adam started his career as an insurance professional after graduating from Radford University in 2005. Prior to joining The Andrew Agency, Adam worked for two other independent agencies in Richmond helping clients with their insurance needs.  Adam was recognized as the “Young Agent of the Year” in 2012 from the Independent Insurance Agents of Virginia and now serves as chairman of the Young Agents Committee.

Adam enjoys spending time with his family and taking trips to the Outer Banks and snowboarding.  He is also a huge sports & music fan, attending several concerts throughout the year.

Phone: 804.320.2886 x 106    Email:[email protected]


bj-durrettB.J. Durrett | Client Advisor

B.J. has 14 years of experience in the insurance industry, focusing on Personal Lines insurance. She earned her designation of Certified Insurance Service Representative 10 years ago and her second designation of Associate in Account Management 5 years ago. She grew up in Mechanicsville and moved back to raise her two children. When she’s not helping clients she likes watching movies with her kids and trail running.

Phone: 804.320.2886 x 103    Email:[email protected]


Liz Stoneman | Client Advisor

Liz has worked in the insurance industry since 2011 and earned her Property & Casualty license in 2015. Liz assists clients in navigating the complexities of insurance and can help you obtain coverage that best suits your specific needs and budget.

Prior to joining The Andrew Agency, Liz began her career in the insurance industry in 2011 at a local Insurance Brokerage assisting health insurance agents in managing their existing small group clients.

Liz is originally from Mechanicsville, Virginia and relocated to Powhatan in 2016. Outside of the office, Liz enjoys interior decorating, hiking and whitewater rafting. She also loves spending time with her two dogs, Muffin and Cooper.

Phone: 804.320.2886 x 104    Email:[email protected]