About Us


Kathleen S. Bye, CLCS

Owner/Operator, Agent, Financial Advisor

Property, Casualty, Life, and Financial

Licensed in MD, DC, VA, PA, DE, FL, OH, NC, SC, and AZ

Kathy started her insurance career with Nationwide Insurance in 1980 as a secretary and worked her way up to becoming an Agent by 1983 founding the Bye Insurance Agency. In 1984, she hit her first company award and achieved her first Presidents Conference award one year later, making her the first female agent in Nationwide’s history to obtain this prestigious award. Since then, she and her team have earned this award 18 times. She loves the beach, traveling to warm weather destinations and paying it forward. Family is most important to her. She loves spending her time with her husband, Ed, who is also an insurance broker in Odenton, her three children Starr, Fallon and Michael and their large family.


Lindsay N. Mason, PLCS

Operations Manager, Agent, Life Insurance Advisor

Property, Casualty, Life and Health

Licensed in MD and DE

Lindsay started with the Bye Agency in 2009, after working as an Agent for many years she transitioned into the role of Operations Manager and specializes in life insurance. She started her insurance career in 2007 on the Eastern Shore where she grew up. Before going into the insurance industry, Lindsay studied Psychology at Salisbury University and was a Preschool teacher for many years. To Lindsay, nothing is more important in life than family which is why she moved back to the Eastern Shore in 2013 with her husband Steve; they welcomed their first child Shannon May in December 2016. She has a love for the beach and her hobbies include surfing, boating, fishing, paddle boarding, shopping, playing golf and of course, spending time with her family and friends.


Timothy J. Bye, PLCS

Personal Lines Agent

Property, Casualty, and Life

Licensed in MD, VA, and FL

Tim, the office jokester, started with the Bye Agency when he was just 19 years old. He took a sabbatical for a few years to manage a large car dealership before returning to the Bye Agency in 2007. He specializes in personal lines insurance. He telecommutes from his home in Florida where he enjoys the warm weather and lack of snow (most of the time). He spends his free time with his wife and children going to Disney World, hanging out at the pool, boating or going to the movies.


April L. McVeigh, CLCS

Commercial Lines Agent

Property, Casualty, and Life

Licensed in MD and VA

April started with the Bye Agency in 2001 and specializes in commercial lines insurance. Prior to starting her insurance career, she worked in the mortgage industry. April grew up in Bowie and Kent Island, where she currently resides with her husband Kevin and three children Kaitlyn, Tre and Josie. She has a very large family and spends as much time with them as she can. Her hobbies include horseback riding (she used to be an equestrian horseback rider), boating and travelling.


Brandy N. Rice, PLCS

Personal Lines Agent

Property, Casualty, and Life

Licensed in MD and VA

Brandy started with the Bye Agency in 2007 and specializes in personal lines insurance. Brandy grew up and lives in Pasadena. She enjoys spending time with her boyfriend, Chris, cousin, Justin and daughter, Faith. She also likes going to the beach and watching her daughter play sports. To Brandy, the most important things in her life are her daughter, her family and helping anyone in need. Her favorite quote is “It is not where you come from that makes you. It is where you are going that will determine who you are.”


J. Melissa Caskey, PLCS

Personal Lines Agent

Property, Casualty, and Life

Licensed in MD

Melissa started with the Bye Agency in 2013 and specializes in personal lines insurance. Melissa holds herself to a high standard and strives to keep herself organized and provide excellent customer service. She has lived in Anne Arundel County for over 15 years and is a graduate of Annapolis High School. She spends her free time with her family, mostly chasing after her fierce little girl, Alona. Her hobbies include reading, cooking and listening to music. Melissa would love to have a dog but has instead settled for a guinea pig named Pepsi. Her biggest vice is her coffee addiction and on any given day she’d love to have her toes in the sand.


Diane L. Hoback, PLCS

Personal Lines Agent

Property, Casualty, and Life

Licensed in MD

Diane started with the Bye Agency in 2017 and specializes in personal lines insurance. She started her insurance career in 2016 with Severn River Insurance Agency until the agency merged with the Bye Agency. She graduated Towson University in 1994 with her Bachelor’s Degree in Business Administration with a concentration in management and a minor in political science. Diane was born and raised in Towson where she still resides with her husband of 19 years and beautiful daughter, Emma, who keeps them both busy with club soccer, piano, and an active social life. Diane’s hobbies include swimming, shopping, and getting to the beach whenever she can.


Annika E. Tyler

Commercial Lines Agent

Property and Casualty

Licensed in MD

Annika started with the Bye Agency in 2019 and specializes in commercial lines insurance. Annika started her own home interior and alterations business 25 years ago and is new to the insurance industry. She was born and raised in Finland where she also attended school for interior design. After becoming friends with Kathy many years ago, she knew who to call when she decided to make a career change. Annika and her husband Blake have been married for 26 years and have two sons, Joonas, 21 and Sebastian, 19. Her hobbies include traveling, visiting her family in Finland, taking long walks and going to the beach. When asked where she is happiest she said, "when her toes are in the sand."


Bonnie M. Michel

Customer Service Representative

Property, Casualty and Life

Licensed in MD

Bonnie started with the Bye Agency in 2008 and specializes in personal lines insurance. Although she became a member of the Bye Team in 2008, she worked for 30+ years in the insurance industry starting with the Nationwide Insurance Regional Office in Annapolis. She grew up and still resides in Mayo, MD. Her hobbies include gardening, cooking and she has a fondness for animals. Spending holidays and quality time with her family is the most important thing to Bonnie. She loves the beach and makes it a priority to visit the beaches of North Carolina at least once a year.


Alex G. Cabrera

Marketing, Customer Development

Alex started with the Bye Agency in 2019 and specializes in outside marketing and developing customer relationships. Alex is the newest member of the Bye Team and is just starting out in his insurance career. He graduated from Archbishop Spalding in 2017 and is currently attending Anne Arundel Community College where he's majoring in business. Alex's hobbies include rock climbing and running; after having open heart surgery in 2017 he makes a point to live every day to the fullest and has an infectious personality. When asked what he loves most about insurance he said "it gives me an opportunity to really get to know people, being trusted to assess their needs and mitigate financial risk is an important role that I take pride in doing."

Securities offered through Kathleen S. Bye as a Registered Representative of Nationwide Securities, LLC, member FINRA, SIPC. DBA Nationwide Advisory Services, LLC. in AR, FL, IL, NY, TX and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies. Registered Representatives and Investment Adviser Representatives may only conduct business with residents of the states in which they are properly licensed and/or registered. Please note that not all of the products and services that may be mentioned are available in every state.

URBO Number: FEV-0666AO.2 (8/2017)