John

John Heinsz, CIC
Owner
Phone: (636) 946-2266
Email: john@hsgwinsurance.com

I was born and raised in the St. Charles area, attended St. Louis University High School and graduated from St. Louis University in 1973. I married my lovely wife, Mary, in 1973 and have 3 grown children and 3 grandchildren. My insurance career started in 1970, working in my father’s Independent Agency. I took over the Agency in 1978 when he retired and in 1985 merged my Agency with Bill Schaefer and moved to our current location. Over the years I have attained several Industry Designations, including Certified Insurance Counselor (CIC), which help me stay current with insurance changes and requirements. I have concentrated the last years on helping individuals with their Estate, Retirement and Life Insurance Planning needs.

william

William Schaefer, CIC
Owner
Phone: (636) 946-2266
Email: bill@hsgwinsurance.com

I am a native of St. Louis, graduate of University of Missouri-St. Louis, served in the U.S. Marine Corps, and started insurance career in 1969 with a major national company.  I have held various positions, including Personal Lines Underwriter, Commercial Lines Underwriter and Marketing Manager. In 1977, I left the corporate ranks to join a local insurance agency as a multi-line producer. I attained the professional designation of Certified Insurance Counselor (CIC) in 1982 and started own insurance agency in 1983. In 1985, I merged with John Heinsz to form the present Agency. I was married in 1968 to my wonderful wife, Glenda, have 3 grown children and 5 grandchildren.

garwitz

Paul Garwitz
Owner/Agent
Phone: (636) 946-2266
Email: paul@hsgwinsurance.com

I grew up in South St. Louis County, attended Vianney High School and moved to St. Charles County after graduating from the University of Missouri-Columbia in 1976. I worked as a Juvenile Officer for 8 years before entering the insurance business in 1983 as an agent. I joined HSGW Insurance in 1990. I live in St. Charles, have been married to my wife Barb since 1978, have 3 grown children and a wonderful grandson Braden. I’ve been a member of Sts. Joachim and Ann Parish since 1985 and enjoy golf (sometimes), most sports and travel in my spare time.

Doug

Doug White
Owner/Agent
Phone: (636) 946-2266
Email: doug@hsgwinsurance.com

I grew up in Florissant, MO and relocated to St. Charles, MO in 1994. I started in the Insurance Industry in 1995 while still in college, working an internship for a major insurance carrier in their claims department. I graduated from Missouri State University in 1996 with a Bachelor of Science Degree in Insurance and Risk Management. I have over 20 years of experience in the property & casualty insurance industry with the first 8 years in the claims department of 4 major insurance carriers. I joined HSGW Insurance in 2003 and became a partner in January 2016. I have been married to my wife Colleen for over 10 years and we have 4 children. I believe my extensive experience in claims handling sets me apart from other agents who are mainly trained in sales.

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Lucie McNamee
Agent
Phone: (636) 946-2266
Email: lucie@hsgwinsurance.com

I have lived in St. Charles all of my life and have always loved the area and the people. I have a grown son and one perfect grandson that fills my home with joy!

I started my first insurance job in 1978 and feel that my years of experience in the industry help me to provide excellent service to my customers.

ryan

Ryan Garwitz
Agent
Phone: 636-946-2266
Email: ryan@hsgwinsurance.com

After growing up in St. Peters and attending DeSmet Jesuit High School, I graduated from the University of Missouri in 2004 with a BA degree in communication. I worked in advertising sales for six years, first at the Columbia Daily Tribune followed by the St. Louis Post-Dispatch. While I liked the sales aspect of that industry, I very much enjoy the added focus of personal relationships and ongoing customer service working in insurance. With that in mind I joined HSGW Insurance as an Agent in 2010. I have been married to my wife Blaire since 2006 and we currently reside in Glendale. We have a young son named Braden and a dog named Charlie. I enjoy all things sports, traveling, being outdoors, and spending time with my family and friends. I look forward to providing superior service and peace of mind to all of my personal and commercial customers.

elaine

Elaine Fix
Agent
Phone: (636) 946-2266
Email: elaine.fix@voyafa.com

I have 32 years of experience in the insurance and financial services business and am a member of the Estate Planning Council of St. Louis. With this experience, I’ve learned the importance of listening to your concerns and recommending solutions that fit your situation.

Margie

Margie Ess
Customer Service Specialist
Phone: (636) 946-2266
Email: margie@hsgwinsurance.com

I was born and raised in St. Louis, MO and currently live in St. Charles County. My husband Kevin and I have been married since 1990.  We have two sons, one is a 2015 college graduate and one that will graduate from Missouri State University in 2017.  We are almost empty nesters!  I enjoy going to the movies, dancing, and the beach.  I started in the Insurance Business in 1984 and have been with HSGW Insurance since 1988. Over the years I have won several Customer Service Awards and look forward to helping you with your insurance needs.

Sherri

Sherri Lingua
Customer Service Specialist
Phone: (636) 946-2266
Email: sherri@hsgwinsurance.com

I am a lifelong residence of the St. Louis area and I currently live in St. Charles. I have two grown sons and two grandchildren. I’ve been in the Insurance Business since 1977 and have been with HSGW Insurance since 2006. I look forward to assisting you with your insurance needs.

susan

Susan Gutierrez
Customer Service Specialist
Phone: (636) 946-2266
Email: susan@hsgwinsurance.com

I am a native resident of St. Louis and a graduate of the University of Missouri-Columbia, in Family Economics & Finance. I have worked in the insurance industry for over 20 years.  I have been married for 28 years with 2 grown daughters, and I enjoy yoga, cooking, and travel. I look forward to working with you and answering any of your insurance questions.

michelle

Michelle Carter
Customer Service Specialist
Phone: 636-946-2266
Email: michelle@hsgwinsurance.com

I was born and raised in St. Louis, MO. I started in the Insurance Business in 1999 with an Independent Agency. I left the industry to focus on my family and returned to the industry in 2012. Outside of work, I enjoy spending time with my family and friends. I have two young boys which keeps me involved in sports and outside activities such as fishing and bike riding. I believe strongly in going the extra mile to advise and assist you, our clients, to understand what coverages are needed and help select what’s best for you. I look forward to helping you with your insurance needs.

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Sarah Heinsz
Customer Service Specialist
Phone: 636-946-2266
Email: sarah@hsgwinsurance.com

Growing up in St. Charles, I have been lucky to experience how much the area has grown. I attended Duchesne High School and graduated from St. Louis University in 2005 with a degree in Early Childhood Education. While I enjoyed working with children as a teacher for over seven years, I realized that the ability to work with people and families over many years rather than only just one or two, made the transition to insurance easy. Having recently joined HSGW Insurance, I look forward to building relationships with my customers. In my free time, I enjoy catching a Cardinals game, reading a good book, traveling, and spending time with my family and friends.