Photo of Charlie Florance

Charlie Florance


Charlie Florance has worn many hats in his working career. A psychiatric technician, cabinet maker, 4th grade teacher. But it was in Pendleton, OR, 1987 that he began his insurance career. 10 years later he asked his son, Steve, to join him and the rest is history. Charlie and Pan have a home they built…

Photo of Michael Florance

Michael Florance


Michael joined the family business Inland Northwest Insurance in 2022 after leaving the automotive refinishing industry. Michael enjoys spending time with his wife and son. Home improvement with the family is a never-ending activity that everyone enjoys... most of the time. Cooking and specifically barbequing is a hobby that Michael enjoys, in between home renovations…

Photo of Steve Florance

Steve Florance

Owner – Agent

Steve began his insurance career in 1997 and in 2008 purchased Inland Northwest Insurance. Steve is currently the owner of Inland Northwest Insurance and concentrates on managing the  Spokane Valley WA location. He holds an insurance license in the states of WA, ID, OR and MT. Steve is a big supporter of The Greater Spokane…

Photo of Krystal Goad

Krystal Goad


In September 2022, Krystal received a message from her elementary school teacher and mentor, Pan,  which started her journey into the insurance world of Inland Northwest Insurance. With all three of her boys now in school, she was wanting something of her own which would still allow for steady work/life balance.  It turns out, Pan…

Photo of Leanne Kelly

Leanne Kelly

CSR – Agent

Leanne is our Commercial Lines CSR. Prior to insurance, she studied Psychology, Social & Emotional Deviations, Special Education & Sign Language, and chose to work primarily with Autistic & Hearing Impaired Children. Leanne dedicated 14 years to TNR Feral Cat Rescue and continues to advocate for feral cats. She became a Reiki Master in 2001…

Photo of Shannon O’Dell

Shannon O’Dell


Shannon was introduced to insurance as a work study position for a Farmers agent while in college. In 2008 she decided to leave and go to another agency to broaden her knowledge in Property & Casualty lines, later associating with Inland Northwest Insurance in 2010. A native of the Northwest and a graduate from Gonzaga…

Photo of Bill Smith

Bill Smith


Bill Smith has been a personal lines specialist with Inland NW Insurance for the past 17 years. He has received awards of recognition for outstanding customer service during that tenure. Bill is a long time Seahawks fan who also believes Marshawn should have gotten the ball. In his spare time he greatly enjoys practical pistol…

Photo of Shannon Timm

Shannon Timm

CSR – Agent

The friendly lady that answers most of your phone calls is none other than Shannon Timm. Shannon joined Inland Northwest Insurance in August of 2013 with no insurance experience. Shortly after joining the Inland Northwest Insurance team, Shannon decided to jump whole heartedly into insurance taking the required Washington State insurance classes. After completing her…