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Specializing in Personal & Commercial Insurance Services


Fritts Million Insurance is an independent insurance agency that has the ability to shop your needs through multiple companies. We can help you navigate the complex world of insurance plans with a commitment to tailoring insurance coverage to our customers. Whether you need coverage for your personal needs or business ones, we can help you find the coverage.


Many of the insurance companies that we represent specialize in insuring specific types of coverage that can offer you the best pricing. These companies provide fast and fair service. And we only represent companies with excellent records for settling claims fairly and properly.


Please let us know how we can help you obtain affordable insurance coverage. Fill out our request a quote form, call us, or drop by our offices so we can give you an insurance quote today!


Fritts Million Insurance provides many types of personal insurance. As independent insurance professionals we can help you find the coverage that best suit you / your family’s particular needs and provides you with the greatest value.  LEARN MORE...



Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.  LEARN MORE...




James “Woody” Fritts originally founded Fritts Insurance in 1957 in Mt. Sterling, Kentucky to serve the community that he loved. Woody’s son Tony joined the agency when he returned from Western Kentucky University. In 1992, Tony went on to become the Deputy Commissioner of the Kentucky Department of Insurance and rejoined the agency in 1996. Tom Million joined Fritts Insurance Agency in 1994 after spending several years in the independent insurance agency system. With Tom’s arrival, Fritts Million Insurance was born. In the following years the agency continued to expand; adding an office in Louisville in 2002. Today, Fritts Million Insurance is licensed to write insurance not only in Kentucky but Indiana, Ohio and Tennessee as well.


Fritts Million Insurance has a goal of providing our clients with competitive pricing, financially strong insurance companies, and excellent service. With technological advancements in the industry, Fritts Million Insurance is equipped to better serve our clients with the most current insurance automation. Experienced personnel are cross-trained to handle a full range of services from personal lines including auto, homeowner and dwelling fire insurance to business lines including general liability, property, auto, worker’s comp, and umbrella. We are also available to write life, health, disability and group insurance. The staff at Fritts Million Insurance is always ready to serve you. Contact us today to learn more about our outstanding staff and services.

about us


Welcome to Fritts Million Insurance, serving you since 1957. Our main office is conveniently located at 20 Court Street in Mount Sterling, Kentucky. With a branch office located at 10300 Brookridge Village Blvd. Suite 201 in Louisville, Kentucky. Fritts Million Insurance is licensed to write insurance not only in Kentucky but Indiana, Ohio and Tennessee as well.

As an independent insurance agency, we have the ability to shop your insurance needs through multiple companies. This allows us the flexibility to find a company just right for you rather than making you fit the designs and programs of a single carrier. We currently have seven full-time licensed agents trained to handle a full range of services. 

If you have any questions, you can contact one of our friendly agents by calling us at (859) 498-5860 or (502) 239-3600. Contact us today for the best insurance rates and service available!

independent agency



Louisville Office - Appointment Only
10300 Brookridge Village Blvd.
Suite 201
Louisville, Kentucky 40291
Phone: 502-239-3600

Lexington Office - Appointment Only

1517 Nicholasville Rd UNIT 402

Lexington, KY 40503

Phone: 859-498-5860

For any general inquiries, please fill in the following contact form:

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Monday - Friday:  8:30am - 4:30pm

Mt. Sterling Office
20 Court Street
Mt. Sterling, Kentucky 40353
Phone: 859-498-5860
Fax: 859-498-5897

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