Independent, and it matters
We are not owned by a carrier and we do not have a quota to hit for one. When your renewal jumps, we reshop rather than defend it.
About the agency
Fifteen years on Main Street, and we still answer the phone
Clearpath is an independent insurance agency in downtown Kansas City. We write personal and commercial coverage across Missouri and Kansas, and we shop it every single renewal.
Founded 20113,100+ clients14 carriers
How it started
Built by someone who used to decline your policy
Nina Castellanos spent nine years inside a national carrier's underwriting department before opening Clearpath in 2011. She had watched too many Kansas City families buy a policy that priced well and covered badly, then discover the difference after a hail storm.
So the agency was built around one habit: read the form, convert the numbers into dollars, and say plainly what is thin. Fifteen years later that is still the entire method. We just do it across fourteen carriers now instead of three, with a service center that handles the routine work online.
- 3,100+households and businesses insured
- 14carriers shopped on every quote
- 4.9average review rating from 412 reviews
- 15 yrsserving the Kansas City metro
Four things we refuse to do differently
They sound obvious. They are also the four things clients tell us their last agency did not do.
Everything in writing
Every recommendation arrives as a one-page comparison with limits, deductibles and price side by side. You keep it whether you buy or not.
A named person on every claim
Claims do not go to a queue here. One of our advocates owns your file until the final payment clears.
Plain language, always
Percentage deductibles converted to dollars, coinsurance explained in one sentence, no acronyms without translation.
Agency history
A short timeline
Six moments that shaped how this office works today.
- 2011
Clearpath opens
Nina Castellanos leaves carrier underwriting and opens a two-person office on Main Street with three carrier appointments.
- 2014
Commercial lines added
Errol Banks joins and the agency starts writing business owners policies and workers' compensation for Kansas City trades.
- 2018
Claims advocacy formalized
Every claim gets a named advocate in the office, not just a carrier file number.
- 2021
Digital service center launches
Payments, ID cards and policy changes move online so routine service stops requiring a phone call.
- 2024
Fourteen carriers
Appointments grow to fourteen companies across personal, commercial and life lines.
- 2026
412 reviews, 4.9 average
The agency passes 3,100 households and small businesses across the metro.
The people who answer
Five licensed agents and one very organized service lead. You will work with the same one every year.
Get in touch
Nina Castellanos
Principal agent
Founder, 2011
Nina opened Clearpath in 2011 after nine years inside a national carrier's underwriting department. She reads policy forms for fun, which is exactly the person you want sizing your liability limits.
Personal lines and umbrella
Errol Banks
Commercial lines director
Joined 2014
Errol spent a decade estimating for a Kansas City general contractor before switching sides. He classifies trades correctly the first time, which is why his clients' year-end audits are boring.
Business owners, workers' comp, fleets
Mireille Fontaine
Claims advocate
Joined 2017
Mireille is the person who calls the adjuster when the adjuster stops calling you. She has managed several hundred hail files across the metro since the 2023 storm season.
Property and auto claims
Theo Brandt
Life and benefits specialist
Joined 2019
Theo built our needs calculator because he was tired of watching people pick round numbers. He will tell you when term is the right answer even though permanent pays him more.
Term, permanent and key person
Rosalind Achebe
Service center lead
Joined 2021
Rosalind runs the digital service center and is the reason certificates leave this office the same day. She also answers the Saturday morning phone more often than anyone admits.
Payments, ID cards, policy changes
Licensing and credentials
Licensed, appointed and insured
Missouri producer license #DM-0000000 (demo). Licensing numbers on this demo site are placeholders. A real agency page would list each producer's state license numbers and the lines of authority they hold.
- Missouri and Kansas resident producer licenses (demo numbers)
- Property, casualty, life and health lines of authority
- Trusted Choice independent agency network member (sample)
- Appointed with 14 admitted carriers across personal and commercial lines
- E&O coverage maintained continuously since 2011
- Continuing education completed annually by every licensed agent
A claim, start to finish
A client claim story
The April storm took our roof and dented both cars in the driveway. I called one number, and Clearpath had the home adjuster and the auto adjuster scheduled before the end of the day. Nobody made me explain the situation twice.
Greg Tanaka, Northland, Kansas City
Hail claim on auto and home · May 2026
- Claim first contact under 4 hours (sample average)
- A named advocate on every claim file
- 24/7 claims line, 365 days
Come see what we would change
Bring your current policies. We will read them, convert the numbers into dollars and tell you honestly whether moving is worth your time.
No fee for our work. No obligation to switch. Usually a same-day written comparison.