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937.306.7781

Meet Our Team

  • Randy Leopard

    Vice President
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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    Randy began his insurance career in 2000 working with both personal and business clients on their health insurance needs.  In 2008, he expanded his area of focus to include all types of insurance his clients needed from home & auto insurance to business insurance.

    Randy resides in Urbana where he enjoys spending time with his family, and taking in a horse race from time to time.

  • Charlie Havens

    Account Executive
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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    Charlie began at B/N/F/S, Inc. in 1977 after spending time as a claims adjuster, where he learned the meaning of insurance and its importance in putting people’s lives back together after suffering a tragedy.  Today, Charlie spends his time mentoring younger insurance professionals using his many years of experience to instill a culture of caring, and never losing sight of the fundamental importance of insurance in people’s lives.

    When he’s not in the office, you’ll find Charlie in his woodworking shop constructing a rocking chair, dining table, and many other furniture items.  He also volunteers much of his time to the Champaign County Fairgrounds where he’s become instrumental to the success of the fair each year.

  • Melodi Wilkins

    Senior Account Manager
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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    Melodi has called BNFS her ‘work home’ since 2009.  In her position as a Senior Account Manager, she works closely with clients needing home, condo, renters, auto, umbrella and other types of personal insurance coverage.

    Melodi also provides service and assistance to businesses regarding their insurance protection needs.

    In her spare time, Melodi enjoys being outside and spending time with her family, especially with her granddaughter.

  • Ashley Ryan

    Customer Service Representative
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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    Ashley is a lifelong resident of Urbana, Ohio.  She joined the team at BNFS in 2015 and works to service and assist clients with their insurance needs, always projecting her hallmark friendly personality.

    In her spare time, Ashley enjoys watching Ohio State Buckeyes football, camping with her two children, husband and friends, and also watching her children at their sporting events.

  • Mark Osborne

    Life Insurance Advisor
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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    Mark has worked in the insurance industry since 2004.  He specializes in Life and Health Insurance, where he utilizes his extensive knowledge to help clients make sense of a confusing and ever changing market.

    Mark is often found graciously volunteering his time to several community organizations he supports, and he enjoys spending his free time with his family.

  • Kevin O'Brien

    Crop Insurance Advisor
    Office: 937-306-7781
    Fax: 937-653-4457
    121 Miami St
    Urbana OH 43078
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