Julia (Judy) Esham, CPCU, AU is the senior vice president and chief underwriting officer for the commercial lines department. Judy joined Avery Hall in 1986 as an account manager, later being promoted to commercial lines supervisor, and most recently being promoted to her current two positions. Her focus is taking care of large commercial accounts.
Judy is a past recipient of the Insurance Woman of the Year award that was given by the Insurance Women of the Eastern Shore for her work in the industry. Additionally, she is a Chartered Property Casualty Underwriter (CPCU) and has also completed the Associate in Underwriting (AU) program.
Prior to Avery Hall, Judy worked for another insurance agency and carrier.
Judy was born in Salisbury, MD and raised in Pittsville, MD. She attended Parkside High School in Salisbury, MD.
She currently resides in Willards, MD with her husband, where she is also the chaplain of the Willards Volunteer Fire Department Ladies Auxiliary. She and her husband have two grown daughters and three grandchildren as well as eight alpacas. In her free time, she enjoys reading and raising alpacas.