Nicole Hardey

Personal Lines Sales Agent
Nicole Hardey has helped clients with their individual insurance plans since 2005 as a member of the K. Flynn Insurance Agency team. During her time in the insurance industry she has focused exclusively on the individual market and specializes in helping clients with home (including mobile homes and secondary homes), auto (including classic autos), life (term, universal life and whole life) and health (including Medicare supplements and Advantage plans) as well as motorcycles, ATV’s, RV’s and boats. She enjoys puzzles and problem-solving, and puts these skills to use in creating customized benefit plans to fit the needs of her clients.

After working in the Accounting field for several years, Nicole didn’t feel like she had the right fit. She desired to help people on a more personal level. She has a genuine concern for her clients security. “Warren Buffett once said ‘someone’s sitting in the shade today because someone planted a tree a long time ago.” Education is key when it comes to insurance. Before Nicole knew much about insurance, she was grossly underinsured but didn’t know any better. She wants to educate her clients so they can sleep at night knowing they have coverage they can count on. Nicole doesn’t have a pushy approach when going over an insurance proposal but is very thorough when explaining coverages. Helping clients is what drives her! She says, “it is impossible to discuss every single scenario when you’re offering an insurance plan but it is important to discuss things that happen frequently like water in a basement”.

Nicole is serious about exercise and along with Kevin and Kathy Flynn, she has helped to motivate her fellow employees for a healthier atmosphere in the office. Nicole explains, “taking care of your insurance needs is like taking care of your body. Waiting until a claim happens isn’t the time to go over coverages, much like waiting for a health condition to occur isn’t the time to think about exercise. We should be proactive and act now on both accounts!”

In addition, Nicole is an active member of her church and the Troy Chamber of Commerce. She enjoys fishing, hunting, gardening, baking and spending time with family and friends. She loves to sing and is a member of her church praise band, “Growing Faith”.

Nicole graduated from Central Missouri State University with a Bachelor’s Degree in Business Administration with an emphasis in Accounting. She and her husband Toby were married in 1997 and currently live a busy life in Troy.