108 Washington Street
P.O. Box 1070
Galax, VA 24333

(276) 236-8106
(800) 758-8106
(276) 236-0165 Fax

Management & Staff

Management Team

Grayson-Carroll-Wythe's management team has over 120 years combined experience in the insurance industry. They have over ninety-one years combined experience with Grayson-Carroll-Wythe Mutual.
They are committed to seeing that Grayson-Carroll-Wythe continues to grow and strengthen its policyholders' surplus.

Joe R. Liddle, Secretary/Treasurer and CEO

Joe R. Liddle

Secretary/Treasurer and CEO

Joe Liddle, Chief Executive Officer, is directly responsible for leading Grayson-Carroll-Wythe's management team in their efforts to further build a successful company, capitalizing on 122 years of heritage.

Joe is a seasoned insurance professional with extensive knowledge of the rural and farm insurance markets and products in Virginia. He has more than forty-six years of insurance experience and is responsible for the strategic direction of the Company.

Randall H. Carpenter, Executive Vice President

Randall H. Carpenter

Executive Vice President

Randall Carpenter, Executive Vice President, is responsible for the agency recruitment and management, underwriting, and information systems for Grayson-Carroll-Wythe Mutual.

Randall is a seasoned insurance professional having spent thirty-five years serving in many different roles of both agency and company management. Before coming to Grayson-Carroll-Wythe, he served as Chief Financial Officer and Vice President-Information Systems at a small mutual company in North Carolina. In his earliest years in the industry, he was an agent and developed software for agencies and small companies. Randall has an MBA degree and holds several insurance industry designations including AIAF (Associate in Insurance Accounting and Finance), the PFMM (Professional Farm Mutual Manager), and the CIC (Certified Insurance Counselor). . Randall has been with the company since 2008.

Jeff S. Reeves, Chief Financial Officer

Jeff S. Reeves

Chief Financial Officer

Jeff Reeves, Chief Financial Officer is responsible for the day to day accounting duties along with cash control, investment portfolio management, risk management, and regulatory filings. He is a CPA and his background is in business management as well as the audit function of public accounting. Jeff also serves as the Human Resource Director responsible for personnel and benefits policies and procedures. He holds several insurances industry designations including the CPCU (Chartered Property Casualty Underwriter), ARe (Associates in Reinsurance), and API (Associate in Personal Insurance. He also holds a Property & Casualty agent's license as well as Life & Annuities and Health agent's licenses. Jeff has been with the company since 2008.

David F. Wilson, Claims Manager

David F. Wilson

Claims Manager

David Wilson, Claims Manager, is responsible for the day-to-day operation of the Claims Department. He is responsible for accepting and recording loss notices, establishing reserves, adjusting claims, assigning independent adjusters if required, and paying claims. David has been with the company since 1989 and has extensive knowledge of the claims process and claims adjusting in Virginia.


Grayson-Carroll-Wythe Mutual's staff has over one hundred eighty-eight years combined experience in the insurance industry. They have one hundred seventy-two years combined experience with the company.
They are committed to providing you the best service possible. Grayson-Carroll-Wythe Mutual maintains two office locations - Galax, Va. and Wytheville Va. The employees at each location are shown below.

Galax Office

Teresa Evans, Property, Auto & Life Insurance Agent
Teresa Evans

Property, Auto & Life Insurance Agent

Libby Wilson, Underwriter/Customer Service
Libby Wilson

Underwriter/Customer Service

Debbie Anderson, Underwriter/Customer Service
Debbie Anderson

Underwriter/Customer Service

Angela Lawson, Underwriter/Customer Service
Angela Lawson

Underwriter/Customer Service

Cherise Cox, Property & Auto Insurance Agent
Cherise Cox

Property & Auto Insurance Agent

Michelle Seats, IT Specialist-Software Developer/Support
Michelle Seats

IT Specialist-Software Developer/Support

Jessica Salinas, Administrative Assistant
Jessica Salinas

Administrative Assistant

Wytheville Office

Maria Isom, Office Manager/Property & Auto Agent
Maria Isom

Office Manager/Property & Auto Agent

Eva Jennings, Property Agent
Eva Jennings

Property Agent

Linda Sharpe, Customer Support
Linda Sharpe

Customer Support