The Franklin Difference

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business. Building a long-lasting relationship with our clients is our number one priority.

Meet Our Staff

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business. Building a long-lasting relationship with our clients is our number one priority.

Franklin Goins

Agency Namesake

My Grandfather Franklin Goins was a hard working Franklin Co. native. He was a dairy man, President of Pickett and Goins Insurance, an auctioneer, a member of the KY House of Representatives, and developed subdivisions in Frankfort, Georgetown, Harrodsburg, and Danville and active in local and state politics. I remember how we would always go to breakfast together at what is now known as Rick's White Light Dinner and spending time with him in his insurance agency downtown Frankfort. He loved his family and community.

Frank Goins


Direct: (502) 871-3149

Frank started in the insurance business in 1989 with Goins and Goins Insurance. His area of concentration was Commercial Lines, Auto and Home insurance.

Frank was appointed to the Kentucky Department of Insurance, Director, Property and Casualty Division February, 15th, 2008. He regulated 5.8 billion dollars in written premium consisting of Medical Malpractice, Auto, Home, Commercial, Crop, Charitable Healthcare Reimbursements, Mine Subsidence Program, Surplus Lines, Agent Licensing exam questions, Rate, Rule and Form Filings of all lines of property & casualty insurance He led the way in streamlining and expediting the surplus lines to make the process virtually paperless. Similar improvements were made in the No Fault rejection processes under his leadership.

Frank spoke to various insurance groups regarding Local Government Premium tax, Condition of our Insurance Market, Kentucky Clerks Association, and spoke nationally at the National Association of Insurance Commissioners (NAIC) on Low Income Households and Automobile Insurance. Frank Left the Department of insurance March 2014.

Frank has three children Franklin, IV, who works at Montaplast, Ashton, recently graduated from Paul Mitchell Cosmetology School, and Sheldon, who is attending and playing football for WKU.

Sue Hicks

Agency Manager

Direct: (502) 871-3149

Sue comes to the Franklin Insurance Agency from the Kentucky Department of Insurance. Sue retired from Department of Insurance in April, 2015. Her responsibilities included supervision and training of the analyst staff, and review of rate, rule and form filings for all personal lines and most commercial lines. She assisted other divisions, industry personnel and the general public with questions and interpretations of statute and other regulatory issues.

Her prior experience includes over 35 years in the insurance industry, holding various positions in the claims, customer service and agency fields.

Sue received her Certificate in General Insurance from IIA in 1989 and was one of the first in Kentucky to receive her CISR designation that same year. She has completed courses in the AIC program as well.

Sue is married to Rick Hicks, has two daughters and twin grandchildren Charlie and Noah.

Zenas Burgin


Direct: (502) 872-3296

Zenas is a Property & Casualty Insurance Agent with Franklin Insurance Agency.

Zenas became a licensed agent and joined Franklin Insurance Agency in 2015. Zenas and her husband previously lived in Indiana and had ERIE Insurance. When she moved to Kentucky she called ERIE and got the Franklin Insurance Agency’s phone number. Zenas is passionate about ERIE and knows the excellent service she received as a client that she wanted to represent Erie Insurance. Zenas wants to provide others with that same standard of excellent service she receives as an ERIE policyholder. Zenas loves to help people understand their insurance needs and show them coverage options and design the right policies for their needs.

Zenas enjoys spending time with her husband Daniel and her two dogs, Billy and Isabel.

Christa Woodside


Direct: (502) 871-3149

Christa started her insurance career in 2004 when she began working at a local agency. Her love for insurance grew from there as she served as a Personal Lines Customer Service Representative. In 2009, her prior insurance knowledge lead her to a position at the Kentucky Department of Insurance. She served in many capacities in the Consumer Protection Division, Market Conduct Branch and was an integral part of the Medicaid Prompt Payment Compliance Branch. Christa left the Department in February of 2015, to use her knowledge and experience in the private sector.

Christa is finishing her Bachelor’s Degree at Midway University in Healthcare Administration.

Christa is married to Taylor Woodside and they have four children, Bailey, Mason, Cameryn and Emelyn.

Dick Brown


Direct: (502) 871-3149

Dick has been a professional communicator for more than 40 years, with experience in broadcast journalism, corporate communications, public policy advocacy and government communications. He has been involved with the Kentucky Department of Insurance as that agency’s lead communications specialist.

Dick is fully licensed for homeowners, auto, business and life insurance, and has already helped a number of home and auto owners realize premium savings and, in some cases, increased coverages for less through Erie.

He has lived in Frankfort more than 40 years with his wife, Cindy. They have three children and three grandchildren.

Main Street Office

Franklin Insurance Agency, Inc.
750 East Main Street
Frankfort, Kentucky 40601
Phone: (502) 871-3149
Fax: (502) 410-5021

Devil's Hollow Office

Franklin Insurance Agency, Inc.
40 Devil's Hollow Access Road
Suite #3
Frankfort, Kentucky 40601
Phone: (502) 871-3296