Our Team

Tom is the proud owner of Carney Insurance Services, Inc., based in Forest Lake, Minnesota. With decades of experience in the insurance industry, Tom has built a reputation for providing trusted, personalized service to individuals, families, and businesses across the region. His commitment to helping clients find the right coverage and peace of mind has made his agency a cornerstone of the local community.

A longtime Minnesota resident, Tom currently lives in Vadnais Heights. Outside the office, he enjoys hitting the links at North Oaks Golf Club, where he is an active member and avid golfer. He loves spending quality time with his four children and three grandchildren, who keep him both grounded and inspired. Tom’s passion for service, both professionally and personally, defines his approach to life and business. Whether he’s crafting an insurance plan or enjoying a round of golf, he brings dedication, warmth, and a sense of community to everything he does.
 
Education: The Society of Certified Insurance Counselors, 2003-Present
 
Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763
Cell: (651) 248-3635

Tom Jr. joined the team in January 2021. Tom grew up in Forest Lake and moved to Colorado Springs, CO in 2016. He lives there with his girlfriend, Kayla, and dog, Tiny. Prior to the insurance industry, he was a tech supervisor at a psychiatric hospital. In his free time, Tom enjoys hiking, camping, kayaking, and exploring local craft breweries.

Address: 29 E Bijou St Ste 3, Colorado Springs, CO 80903
Office: (719) 284-7294
Fax: (651) 464-0763

Michelle joined our team in June 2022 as a Customer Service Representative & Office Manager. Michelle grew up in White Bear Lake and moved to Forest Lake in 2017. Before joining the insurance industry, she was a ballet instructor for over 20 years. In her free time, she enjoys spending time with family and friends, cooking, golfing, travelling and being outdoors.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

With nearly 15 years of experience in the insurance industry, Michelle offers a strong background in both brokerage and carrier roles. Her expertise in health and life insurance allows her to provide thoughtful guidance and personalized solutions for clients. Originally from the Chisago Lakes area, Michelle spent time living throughout St. Paul and the surrounding metro before returning to her hometown of Lindstrom, where she’s now putting down roots. Outside of work, Michelle enjoys spending time outdoors and finds her happy place around a bonfire with a s’more in hand, good music playing, and surrounded by friends and family.
Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Tayler grew up in the area and graduated from Forest Lake High School in 2014. She is attending Century College for a Communications degree with a focus in Marketing. Her favorite thing to do is explore new restaurants.  She’s even traveled as far as Des Moines, IA to try pizza. Tayler’s favorite place to be is Star Island on Cass Lake where her cabin is located.
 
Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Lisha brings over eight years of industry experience. Before transitioning into insurance, she spent 10+ years in the auto industry, which provided a strong foundation in customer service and problem-solving. She is dedicated to helping individuals and families protect what matters most by providing thoughtful guidance tailored to each client’s needs. A longtime local with deep community roots, Lisha enjoys spending time with her kids, friends, and family and is known for her ability to make people laugh and put them at ease.
 
Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Sarah brings 25+ years of experience and a proven track record of success in the insurance industry. Enjoys classic cars and car shows. Camping up north with family and friends.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Kari grew up in Maple Grove. Kari brings with her a background in Customer Service, Construction and Government Finance. Her personal hobbies include gardening, lake life, spending time with family, friends, and her dogs.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Kelsey grew up in Forest Lake and achieved her Bachelor’s degree in Media Arts in 2015, later moving to Hugo with her husband in 2022. Many of her personal hobbies include art and design, reading, movie watching, and planning her next traveling venture.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

With 12 years of experience in the insurance industry, I bring a well-rounded background in Personal Lines, Commercial coverage, and Farm insurance. I currently serve as the Commercial Lines New Business Manager, where I focus on building strong client relationships and supporting business growth. I hold a Bachelor’s Degree in Business Administration and take pride in combining industry knowledge with a client-focused approach. Outside of work, I live in Wisconsin’s Driftless Region with my two wonderful daughters and a lively collection of animals. I spend my time enjoying the outdoors as much as possible- hiking, gardening, and campfires with friends and family.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

With over 15 years of experience in the finance and insurance industry, Crystal serves as a Commercial Lines Service Manager, bringing extensive expertise in commercial coverage, client service, and risk management. She is passionate about building meaningful relationships, supporting businesses with clarity and confidence, and ensuring clients receive thoughtful, reliable guidance and support. Crystal lives in Sparta, Wisconsin with her family and enjoys staying active in both work and community life. Outside of the office, she loves spending time with her husband and kids, reading, working on creative projects, volunteering with her kids’ show choir and theatre groups, and spending time outdoors with her two dogs.

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Mary brings more than 15 years of experience in the insurance industry including both personal and commercial lines servicing. She resides in La Crosse, Wisconsin with her fiancé and her cats. Outside of the office, Mary has a passion for classic cars, drag racing events, NFL football, reading, singing, animals, and camping

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Melody is from upstate NY and moved to Rochester, MN in 1999. In 2005, Melody obtained her insurance license with a major focus in commercial lines insurance. Melody completed a Bachelor’s and Master’s degree, focusing on HR Management. Melody enjoys true crime podcasts, DIYing, and spending quality time with family and her little fur babies (Mochanut and Bella Luna).

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Zac is from and resides in Southern Maine with his wife and two young children. Joining the Carney Team in 2026, Zac brings 15 years of Commercial Insurance experience. Starting while still in college, that time has largely been working directly with business owners and presenting solutions to today’s rapidly changing insurance marketplace. He enjoys self-teaching himself the skills and educational backgrounds as interests and needs arise.

Passions outside of work include things like wood working, carpentry, home improvement, lawn and garden projects, fly fishing, snowboarding, and computer technology. 

CIC, Certified Insurance Counselor – The National Alliance for Insurance Education & Research
Graduate of University of Maine Farmington, BA- Business Psychology
Property & Casualty and Life Licenses 

Kimonne brings with her over 10 years of experience in customer service and support. On the fun side, she loves reading, hiking and exploring new places. 

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763

Sydney grew up in Forest Lake graduating in 2020. Since then, Sydney has obtained her B.S in Business Administration with a minor in Sales and Marketing at the University of Wisconsin – Stout. With have having over 8 years in the hospitality industry Sydney is now pursuing her MBA in Strategic Human Resources Management online at Grand Canyon University. Sydney enjoys going to different restaurants and trying new foods all over the twin cities and surrounding areas. Traveling is also a passion of Sydney, which goes to Colorado every year to ski and spend time with family. 

Address: 944 Lake St S Forest Lake, MN 55025
Office: (651) 464-6001
Fax: (651) 464-0763