Our Team at Narrows Insurance  

team member Antone Saltvick

Antone Saltvick

Principal Partner

Antone is a native of Gig Harbor and has been in the insurance industry for over 13 years. He a graduate of Saint Martin's University where he earned his bachelor's degree in business management and played college baseball as a pitcher during his time there.

He specializes in business insurance with a focus on construction and real estate investors. He also does personal insurance and employee benefits for businesses. Antone started as an agent with Narrows Insurance back in 2011 as an agent and is now a Principal Partner in the agency. He prides himself on educating his clients, solving complex issues, and continuing his education as an insurance professional.

Antone currently lives in Gig Harbor with his wife Lyndsey and their two sons Carson and Harvey. In his spare time he enjoys golfing, coaching baseball, camping, snowboarding, or traveling around the pacific northwest with his family in their camper.

Phone: (253)851-8831 ext. 106
Email: Antone@NarrowsInsurance.com
Cell: (253)970-0745

Our Team

Kirsten Conrad

Principal Partner

Kirsten Conrad brings over 20 years of experience in the Insurance Industry, with a focus on Employee Benefits.  A native of Tacoma, WA., Kirsten earned her Bachelor’s in Finance and Human Resource Management from Gonzaga University.  Kirsten worked in the Technology Industry before transitioning to the Insurance Industry in 2002. She built a large independent agency focusing on helping businesses design and implement employee benefit programs.  She is currently a Principal Partner and wants to continue to provide her clients with expanded lines of coverages.

Kirsten has been married to her husband Isaac since 2000.  They have three beautiful children, Ella, Olivia, and Karder.  In her spare time Kirsten enjoys her horses, working out, traveling and spending time with family and friends.

Phone: (253)851-8831 ext. 119
Email: Kirsten@NarrowsInsurance.com
Cell: (253)226-5750

Our Team

Bettye Clark

Personal Lines Account Manager

Bettye joined the Narrows Insurance team in 2019. Bettye is in charge of coordinating day to day support of our personal insurance customers as well as helping to support our commercial clients. She's returned to the industry after several years of corporate staffing. Bettye has a BS degree in Organizational Management from Wilberforce University.

Bettye resides in Fircrest and enjoys DIY projects and spending time with her family.

Phone: (253)851-8831 ext. 101
Email: Bettye@NarrowsInsurance.com

Our Team

Kevin Owens

Independent Agent

Kevin has been an agent at Narrows Insurance since 2014. Since joining the team he has worked on personal lines, business insurance, and employee benefits. He was a 4 year collegiate athlete at Everett Community College, and Augusta State as a baseball player.

Kevin has coached baseball in the local community for the past 10 years. He is a Gig Harbor native and lives locally with his two sons Hudson and Wes.

Phone: (253)851-8831 ext. 107
Email: Kevin@NarrowsInsurance.com
Cell: (253)318-3103

Our Team

Tom Jolley

Independent Agent

Tom has been an agent with the Narrows Insurance team since 2008. He is a specialist in all personal lines of insurance including Medicare health plans, home insurance, auto insurance, and any specialty lines of insurance. Tom will take the time to understand your specific insurance needs. He prides himself on taking a hands on approach with his clients. He will meet in person at our office and also offers "house calls".

Tom lives locally with his wife Dalene. He enjoys traveling in his RV and visiting with his grandchildren in his spare time.

Phone: (253)851-8831 ext. 105
Email: Tom@NarrowsInsurance.com
Cell: (360)597-6345

Our Team

Betsy Hytinen

Independent Agent

Betsy has over 10 years in the insurance industry and has been with Narrows Insurance since 2013. She is located in Silverdale and works with clients on their personal insurance, business insurance, and employee benefits. Betsy previously worked for American Family but decided to come over to Narrows Insurance to be able to offer choice to her clients as well as having the opportunity to spend more time with her family.

Betsy and her husband Jon have three sons - Josh, Nick, and Matt. The family has two beloved dogs, Eddie and Toby who love to keep Betsy company while she works by hanging out under her desk. She loves to "glamp" and spend time with her close friends around a fire pit.

Phone: (253)851-8831 ext. 109
Email: Betsy@NarrowsInsurance.com
Cell: 360-509-1544

Our Team

Amy Haugen

Independent Agent

Amy joined Narrows Insurance in 2018. Transitioning from a large international company to Narrows Insurance, Amy is passionate about providing a high level of personalized customer service. She takes pride in working within her community to help local business better protect themselves and their employees. With 10 years of experience in the Construction and Safety industries, Amy specializes in Construction and Wholesale Distribution but also enjoys working with Farms and Small Group Employee Benefits.

Amy and her husband live on a small farm in Gig Harbor and and recently welcomed their first child in 2019.  An avid lover of animals and all things outdoors, some of Amy’s hobbies include 3-Day Eventing, running, and bicycling.

Phone: (253)851-8831 ext. 114
Email: Amy@NarrowsInsurance.com
Cell: (253)797-3992

Our Team

Jessica Nelson

Independent Agent

Jessica joined Narrows Insurance in April 2024.  She brings over twenty years of experience in the financial services industry. Having worked with a local investment firm and a large capital management company, Jessica brings expertise and insight by guiding individuals and businesses towards comprehensive coverage that ensures their financial security and peace of mind.

Jessica graduated from Washington State University with a BA in Communication in 2000. She served as a Trustee on the Make-A-Wish Foundation of Alaska, Montana, Northern Idaho & Washington board and is an active volunteer at Lighthouse Christian School in the classroom an on the Auction Committee.

In her spare time, Jessica enjoys working out, baking, traveling, and spending time with her friends and family. Jessica lives on Fox Island with her husband, two boys and their golden retriever, Ginger.

Phone: (253)851-8831 ext. 118
Email: Jessica@NarrowsInsurance.com

Maria - May 2024

Maria Santana

Independent Agent

Maria started with Narrows Insurance back in 2017 and specializes in personal insurance. She also focuses on commercial insurance for small businesses. Maria is fluent in Spanish and provides a quality service for her clients.

Maria loves spending her days with family and enjoys a good cup of coffee. She also loves to spend time outdoors by going camping and on walks. Maria loves to vacation in Guadalajara Mexico and Lake Chelan Washington.

Phone: (253)851-8831 ext. 110
Email: Maria@NarrowsInsurance.com
Cell: (253)389-3622

Our Team

Hogan Preimsberg

Commercial Lines Customer Service Representative

Hogan joined the team in December of 2023 as a customer service representative for commercial lines. With a background in web development and digital marketing, he is excited to carry these skills over to the insurance world.

Hogan grew up in Renton, Washington and currently lives in Bellevue, Washington with his older brother. In his spare time Hogan enjoys golfing, playing guitar,
detailing cars, and spending time with friends and family.

Phone: (253)851-8831 ext. 113
Email: Hogan@NarrowsInsurance.com

Our Team

Carolyn Kulp

Independent Agent

Carolyn is new to the Narrows Insurance team this year. With over 18 years of experience in the mortgage industry, she wanted to use her knowledge and customer service skills in the insurance industry as well. Carolyn has worked in the Gig Harbor community for the last 15 years and is excited to offer more services to her clients.

Carolyn and her husband live on Long Lake in Port Orchard with two special cowgirls, Arlie and Ashley. Most of their free time is spent at the barn practicing or traveling to rodeos and ropings around the Northwest. Carolyn is especially excited to offer equine and farm insurance, as well as personal and commercial insurance.

Phone: (253)851-8831 ext. 111
Email: Carolyn@NarrowsInsurance.com
Cell: (360)621-5581

Our Team

Misty Coulson

Benefits Account Manager

New to the team this year, Misty brings a wealth of experience from a legal and marketing background, blending expertise in Senior Benefits. Misty is a nature enthusiast, avid hiker, and adventurous kayaker. Embracing creativity in all its forms, Misty finds joy in helping others navigate their journey.

Phone: (253)851-8831 ext. 116
Email: Misty@NarrowsInsurance.com

Our Team


Nikki Martin

Senior Commercial Manager

Nikki recently joined the Narrows Insurance team, bringing a diverse background in insurance, accounting, and insurance systems management. A native of Gig Harbor, Nikki earned her degree in Business Administration from Pacific Lutheran University where she played on the college basketball team.  Following graduation, she began working in the insurance industry at an independent agency, focusing on Commercial Lines. Her experience led her to Applied Systems, where she was an insurance management software trainer and agency consultant. She is excited to take on the role of Commercial Account Manager at Carlson and Associates and use her expertise to assist clients with all their insurance needs.

Nikki resides in Gig Harbor with her husband Ryan and their two children, Ryker and Makenna. She loves spending time with her family, boating, traveling, and being part of the close-knit community of Gig Harbor. She currently enjoys coaching the Gig Harbor High School Girls Varsity Basketball team and was part of the coaching staff when the team won the State Championship in 2018.

Phone: (253)851-8831 ext. 117
Email: Nikki@NarrowsInsurance.com

Our Team

Larry Carlson


Larry has over 40 years experience in the insurance industry. He started his career as a Farmers Agent in California and moved up to Washington State as an Aflac Territory Manager. He opened Narrows Insurance in 2004.

Larry is an avid baseball fan and coached the Gig Harbor High School Varsity baseball team for many years and lead the Tides to a state Championship in 2017. Larry has since retired from the agency and lives in Oregon with his wife Colleen and his dog Rosie.

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