Breanne Manchester

Owner + Agent

In 2006, Breanne embarked on her journey in the insurance industry, finding immense satisfaction in assisting clients in navigating the complexities of their insurance needs. Her commitment to simplifying the insurance process is unwavering, and she constantly seeks to enhance the value of every policy offered.

Driven by a clear vision and an unrelenting pursuit of excellence in customer service and efficiency, Breanne's leadership has played a pivotal role in propelling the agency to its current position as a leading and continually expanding presence in the industry.

A true South Florida native, Breanne's roots run deep in the region, making it impossible for her to envision living anywhere else. In her peaceful Stuart, Florida, residence, she shares her life with her husband, Josh, their cherished son, Jack, and a delightful ensemble of furry children that includes Lucy the Shih Tzu, as well as Winston and Henry, their two affectionate Australian Labradoodles.

Josh Estes

Owner + Agent

As a Florida native with a deep-rooted heritage stretching five generations and a second-generation insurance agent, Josh has over two decades of entrepreneurial experience under his belt. In addition to his role in marketing Manchester Insurance, Josh has achieved a track record of launching new products in various marketplaces, boasting a rich portfolio of ventures.

Driven by an unwavering commitment to impact the lives of others, Josh is dedicated to cultivating fresh business connections for the agency. His relentless passion for making a positive difference is the driving force behind his efforts.

Josh and his wife, Breanne, have made their home in Stuart, Florida, alongside their son, Jack. They wholeheartedly embrace the unique lifestyle that the Treasure Coast has to offer, contributing to their shared love for the area's unmatched beauty.

Kelly Hibl

Licensed Agent

Kelly, our dedicated Property and Casualty Personal agent, boasts a rich history in the insurance industry, spanning back to 2012. Her remarkable talent lies in establishing meaningful connections with her clients and simplifying the often intricate realm of insurance. Kelly's specialty revolves around leveraging her extensive knowledge to provide invaluable guidance to clients.

Holding a degree in Business Administration and Legal Studies from Keiser University, Kelly's academic background enhances her ability to offer comprehensive advice and support to our clients.

Residing in charming Stuart, Florida, Kelly finds solace in spending her free time with her family. In addition to her family time, Kelly has recently reignited her passion for Tae Kwon Do, further showcasing her commitment to personal growth and discipline. Kelly is not just an insurance expert; she is a well-rounded individual with a genuine love for both her professional and personal pursuits.

Tracy Cottle

Licensed Agent

Meet Tracy, a seasoned professional with an impressive track record of over two decades in executive administration, management, and marketing. Her wealth of experience, combined with her exceptional organizational and communication skills, enables clients to navigate the insurance process with ease and confidence. Tracy's dedication to serving customers makes her an invaluable asset to our agency.

Though originally hailing from Sandy, Utah, Tracy has called South Florida her home since 2003. She enthusiastically travels the state while cheering for her son, Zion, in his passion for soccer. Tracy's nurturing spirit extends beyond the soccer field to her beloved Chihuahua, Hugo, showing affection and attention. With Tracy's expertise and her warm, customer-centric approach, clients can trust in her commitment to making their insurance journey a seamless and satisfying experience.

Nikki Hibl

Customer Service Manager

Nikki brings a decade of dedicated customer service experience to her role as the Customer Service Manager at Manchester Insurance. Throughout her career, Nikki has consistently demonstrated a strong commitment to effective communication and ensuring customer satisfaction.

Based in Stuart, Florida, Nikki and her husband, Dave, have made the area their home. Outside of work, Nikki finds joy in spending quality time with her niece, Aurora, and nephew, AJ, showering them with love and attention.

Apart from her professional responsibilities, Nikki plays a special role in the Manchester Insurance family as the favorite aunt of the agency mascot, Henry Flagler Manchester-Estes. Known for always keeping Henry out of mischief and praising his bravery, Nikki's caring nature and positive attitude make her a valuable asset to the team.

With Nikki's dedication to providing exceptional customer care and her passion for building meaningful relationships, she ensures that every interaction at Manchester Insurance is met with top-notch service and a personal touch.

Marie Ruggiero

Licensed Customer Service

Meet Marie, a dedicated and licensed Customer Service Representative at Manchester Insurance. With a deep-rooted connection to the local community, Marie brings a personal touch to her role, making her a trusted source.

From the charming neighboring town of Hobe Sound, Marie has always had a profound appreciation for the natural beauty and unique character of the Treasure Coast. This local connection gives her a special understanding of the needs and challenges that residents in this area face when it comes to insurance.

As a Customer Service Representative, she's here to build lasting relationships and takes pride in her ability to communicate effectively with clients. Her warm and approachable demeanor makes it easy for clients to reach out with questions.