Our Team

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
	President and principal owner of the firm, Joe has 40 years of insurance experience concentrating in property and casualty insurance for small and medium size business. An active participant in professional insurance associations, Joe was recently President of the Ohio Independent Insurance Agents serving several hundred agencies across the state. Joe is a graduate of Ohio State University and lives in Upper Arlington.
	Joe Ray IV	joe@rayinsurance.com
	A principal of the firm, Joe IV has been a part of the Ray Insurance agency since 1995. Joe is responsible for the agencies commercial lines. He works with a variety of different business clients specializing in Dental Malpractice and other business coverages. Joe is a graduate of Ohio University and lives in Upper Arlington with his wife and four children.
	David Ray	david@rayinsurance.com
	David graduated from Northern Arizona University in 2004 and joined the agency in 2005. Currently, David is responsible for managing the agencies personal lines, and the selling of 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 and his wife live 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.