Choosing the right insurance agent is as important as choosing other key advisors for legal, accounting, banking and financial planning services. Seek an insurance professional who understands insurance markets, and takes the time to understand your unique business needs and risk tolerances. It should be someone you trust, who is working for you, with a commitment to service and who consistently has only your best interests in mind. At Ray Insurance we have long recognized the value of putting clients’ interests first. Ray Insurance has provided creative comprehensive insurance solutions for four generations. Providing high touch, personalized service and 24-hour access to our many clients is our commitment to you.

Joe Ray III, CLU – joeray3@rayinsurance.com Principal owner of Ray Insurance, Joe has more than 40 years of insurance experience concentrating in property and casualty insurance for all types of business. An active participant in professional insurance associations, Joe has served in numerous positions, including President of the Ohio Independent Insurance Agents serving several hundred agencies across the state. Joe is a graduate of Ohio State University.
Joe Ray IV  -joe@rayinsurance.com Joe IV joined Ray Insurance in 1995 and became President in 2009. Joe is responsible for personal and commercial production and works with a variety of clients including small & medium business, professional liability and high-value homeowner insurance packages. Joe is a graduate of Ohio University, is a member of the Rotary Club of Upper Arlington and is active at Swim & Racquet Club.  He and lives in Upper Arlington with his wife Kristin and their four children.
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David Ray - david@rayinsurance.com David graduated from Northern Arizona University in 2004 and joined the agency in 2005. Currently David oversees the operations of the agency and is an expert in both personal and commercial insurance. David is an active member in the Hilliard Leadership Program, Columbus Young Professionals, and the Big I Young Agents. David lives with his wife and two daughters in Hilliard.
Fred Lockwood, LUTCF  - fred@rayinsurance.com Fred joined our firm in 2006 by merging his agency C&I Insurance of Worthington with the Ray Agency. Fred brings more than 20 years of insurance experience and specializes in Health Insurance and Employee Benefits. An Ohio State grad, Fred lives with his wife and two children in Worthington.
Matt Rappolt  - matt@rayinsurance.com Matt joined Ray Insurance in 2000 and specializes in commercial insurance.  He takes pride in working to tailor specialized programs to fit each clients specific insurance needs.  Matt is a Past President and current Board Member of the Tri Village Rotary, member of the Development Board of Nationwide Children’s Hospital and a past Director of the Upper Arlington Civic Assoc. .  He lives in Upper Arlington with his wife and three sons.

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Chuck Craycraft  - chuck@rayinsurance.com Chuck Craycraft joined Ray Insurance in 2013 and specializes in both Trucking and Construction Insurance. These lines of business take sharp product knowledge and understanding of coverages needed. Chuck has nearly 20 years experience in the industry as a Risk Manager and takes great pride in developing insurance contracts designed to fit his client’s needs. He lives in Hilliard with his wife, two sons and daughter.