Meet our experts.

As founder of Cartier Agency, Tom has had a defining role in the business as well as the community. From serving on various insurance carrier agent boards to coaching hockey to chairing the boards of nonprofits, Tom has given time to numerous causes that impact the region and the industry. He has been recognized for his dedication through a number of awards, including distinguished service awards from Duluth Jaycees and Skyline Rotary and St. Louis County's Volunteer Excellence Award.

Joseph specializes in Tribal insurance and financial institutions. With 25 years of commercial insurance experience, his accounts represent a wide range of businesses encompassing all lines of coverage. Joseph earned an accounting degree from University of Minnesota Duluth, earned the CPA designation, and has attended continuing education for the past 25 years. Joseph is past president of Duluth Harbortown Rotary, Duluth Lighthouse for the Blind and Northland Country Club.

Andrea graduated from the College of St. Scholastica with a degree in communications and is currently pursuing her M.B.A. She has worked as both a customer service representative and an insurance sales agent. Andrea is a current board member of First Witness Child Abuse Resource Center, past board member of Big Brothers Big Sisters of Carlton County, Leadership Duluth graduate, Kids Plus mentor, United Way Fund Development chair, and she served on the Lake Superior Initiative selection committee.

Matt Cartier has been promoted to president and will manage the company's day-to-day operations. Matt graduated from the College of St. Scholastica and has been in the insurance business for more than 10 years. He is past president of both the Duluth Art Institute board and the Lincoln Park Business Group. Matt is also is a community steward of Advance Hermantown and serves on the West Bend Mutual Agents Advisory Board, the Skyline Rotary Board of Directors and the Hermantown Chamber Board of Directors.  Matt Specializes in insurance for the Trucking and Farming industries. 

Cory Cartier has been promoted to vice president. Cory will oversee the personal insurance business. Cory graduated from Florida Golf Coast University and has been with Cartier Agency since 2005. He volunteers within the community, including with the Boys and Girls Clubs of the Northland. Cory is also on the agency advisory council for United Fire & Casualty Insurance Company.

With 10 years of experience owning and running a contracting company, Justin brings a unique understanding of the needs and concerns of business owners to his work. He has a passion working with tough risks and places a large emphasis on risk management and safety in the workplace. Justin is a member of the Arrowhead Builders Association, Duluth Builders Exchange and Eco Rotary of Duluth.

Jeremy is an insurance and registered representative. He works with business and individual customers to customize insurance and investment programs based on their individual situations. Jeremy is actively involved in the community as a youth hockey coach and rink director for Glen Avon, treasurer for the Valley Youth Center, membership chair for Lake Superior National Association of Insurance and Financial Advisors, and member of Harbortown Rotary.

A Duluth native, Mike has worked as an agent for 29 years, 27 of which have been for Cartier Agency. Over the years, Mike has been involved with the Boys and Girls Club, Italian American Club, Knights of Columbus, West Kiwanis, Zenith City Men's Club, and coaching high school football.

Kim graduated from The College of St Scholastica with a degree in business management and Duluth Business University with a degree in accounting. She has worked for the Cartier Agency since 2004 specializing in commercial insurance. She manages loss control for accounts of all sizes and emphasizes personal assistance to our clients should a loss occur. Kim also has her Certified Insurance Service Representative (CISR) designation.

Amy graduated from the University of Wisconsin Superior in 2001 with a bachelor’s degree in corporate health management. Amy is licensed in property/casualty insurance.

Deb is the office administrator and handles claims for farm clients. She has 15 years experience being the middle person between our clients and the insurance company in the event that a client experiences a loss. She is involved with area youth/high school sports.

Mary has worked in the insurance business for seven years. She has volunteered in the Esko community as well as the Esko school system. Mary is a member of the Minnesota Forestry Association and the American Tree Farm System.

Kresha services small and large group business and individual accounts helping with any issues that come up from questions about coverage, billing issues and policy administration. Kresha has more than seven years of insurance experience

Jennifer graduated from Winona State University with a degree in Public Relations and Marketing. She has been in the insurance business since 2006 and specializes in working with clients in the commercial trucking industry. She is an active volunteer with the ALS Association of Minnesota.

Griffin graduated from the University of Minnesota Duluth in 2005 with a BA in Communication.  He joined the agency in 2005 and is currently specializing in commercial and individual benefits as well as commercial claims.  He is an active member of First United Methodist Church and a former member and treasurer of the Duluth Skyline Rotary.