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830.997.9531

Meet Our Team

  • Stephen Schmerbeck

    President
    Office: 830-896-6600
    Mobile: 830-459-1111
    Fax: 830-896-1822
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Stephen is the President of Frantzen, Kaderli & Klier Insurance Agency, Inc. (which is a wholly owned subsidiary of Garrett Insurance Agency, Inc.).  Stephen splits his time between Frantzen, Kaderli & Klier & Garrett Insurance. Stephen has been in the business since 1986 & is the fourth generation from his family to be in the insurance profession.  He handles all lines of insurance, however, his main focus is on Commercial/Business Insurance.  He is a cyclist/triathlete & enjoys flying around the Hill Country as a private pilot.  Stephen & his family are members of City West Church.

  • Kim Morales

    Director of Operations
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Kim began an insurance career in 1994 & enjoys helping customers find the right package in auto, home, life, health & commercial insurance.  She has a strong & loyal customer base due to her exceptional customer service.  She focuses on their needs, takes the time to listen, & explains all aspects of the insurance coverage.  Kim started with Garrett Insurance Agency, Inc. & is now managing the Frantzen, Kaderli & Klier office.

  • C W Lees

    Producer
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    C.W. has been in the insurance industry since 2001.  He is licensed in Property & Casualty, Life & Health Insurance, & also carries the Texas Independent Insurance Adviser Designation, TIA.  C.W. spends most of his time in the Commercial Insurance field providing one-on-one consultation with business owners for the purposes of risk discovery.  C.W. pays special attention to risk transfer methods & advises clients on ways to reduce loss exposures by applying risk management principles.  C.W. has lived in Fredericksburg since 1989, & has two children.  He is active in various youth sports.  He has served on his church's board as a deacon & was a board member for the Fredericksburg Youth Baseball Association. 

  • Wes Georgeson

    Producer
    Office: 830-997-9531
    Mobile: 830-890-1233
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Wes has been in the insurance industry in many different ways.  He started in his families agency in Kansas helping quote home & auto policies, delivering paper work, or tagging along on farm visits.  Wes then spent time as a claims adjuster while in college for Allied/Nationwide Insurance.  Next he spent a summer learning supplemental insurance as an intern with Aflac.  He is one of the very few Texas agents certified with an AFIS (Agribusiness & Farm Insurance Specialist) designation.  He enjoys spending time with insureds he considers "salt of the earth".  Ranchers, grape growers, dairy operators, cotton farmers, & even the very common in the Hill Country "hobby farmer".  He married his wife, Kim, in 2012 & they currently have two children, Jet & Stella.  They enjoy watching the Kansas City Royals, cooking, fishing, & hunting.  Wes & his wife are members of Trinity Baptist Church in Kerrville.

  • Kaley Morales

    Producer
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Kaley joined Frantzen, Kaderli & Klier Insurance in 2015.  She is preparing to complete her Commercial Insurance Lines insurance agent license, & is currently providing clerical support for the agency.  Kaley was raised in the Texas Hill Country.  She is married & has two children.

  • Tricia Herrera

    Benefits
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    A Fredericksburg native, she is a graduate of the University of Texas in Austin with a BS degree.  A lifelong member of Holy Ghost Lutheran Church, she & her husband were married there in 1990.  They moved to Houston, & the family was blessed with three beautiful children.  She worked in several insurance related businesses, including her last job as a claims examiner.  They decided to return home & raise their family in Fredericksburg.  She joined this agency in September, 1999 & obtained her life & health license in 2000.  The most rewarding aspect of her work is helping people in this community, & meeting the new folks who have chosen to make Texas their home. 

  • Lynn Fleming

    Benefits
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Lynn first joined the life & health department at Frantzen, Kaderli & Klier Insurance in December, 2004 & obtained her license in March, 2005.  She strives to counsel her clients on benefits & coverages best matching their needs & budgets.  Her emphasis is on customer service for all benefits-related products, ensuring a trusting relationship with her clients of all ages.  Lynn has more than 20 years of experience in public relations & marketing, & was previously public relations director for Special Olympics in Oklahoma & Texas.  She & her native Texan husband, Gene, share a mutual love of the Texas Hill Country, & moved to Fredericksburg in 2004.

  • Ruth Busby

    Customer Service Representative - Commercial Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Ruth is a licensed commercial lines account manager & has been in the insurance industry since 2002.  She has a certified insurance service representative designation & currently working on her certified insurance counselor designation.  Ruth joined the agency in 2014, & has lived in the Texas Hill Country for 3 1/2 years.  She spends most of her free time with her family.

  • Steve Hamilton

    Customer Service Representative - Commercial Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Steve has been licensed in Property & Casualty since 2013.  He joined this agency in February 2015 with an emphasis on commercial lines.  Previously, he spent over 21 years serving at various non-profit organizations.  He has lived in the Texas Hill Country since 1989, and believes it is the best place to raise his two daughters.  He is active in his Lions Club & in the Emmaus Community.

  • Lindsey Hickman

    Customer Service Representative - Personal Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Lindsey joined the Frantzen, Kaderli & Klier team in the fall of 2009.  She is Property & Casualty licensed working with Personal Lines.  Her duties include handling claims, writing new business and servicing existing accounts.  She strives for superior customer service and is always willing to help with all aspects of Personal Lines insurance needs.  Lindsey was born and raised in Fredericksburg and is now raising her family here.

  • Shay Dodes

    Customer Service Representative - Personal Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Shay has been working in the insurance industry since 2000.  She currently holds a license in both Property & Casualty, as well as in Life & Health.  Her specialty is assisting you with your home & auto insurance needs.  Shay & her husband, Bill, have lived in Fredericksburg since 1999.  They are enjoying raising their two children in the Texas Hill Country.

  • Annie Blakely

    Receptionist
    Office: 830-997-9531
    Fax: 1-855-276-8078
    108 Theodore Specht Dr
    Fredericksburg TX 78624
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    Annie is new to the insurance industry & excited to be on staff, learning from the ground up as the receptionist.  Her degree is in journalism, which led her to work as a newspaper reporter for many years.  She also has work experience as a licensed massage therapist, yoga instructor and as a home improvement sales specialist at Lowe's.  Annie & her husband, Mike, live on acreage west of Fredericksburg along with their menagerie of dogs, sheep, horses & one cat.