Esten & Richard Agency is a full service insurance agency specializing in Business & Personal insurance programs in addition to Life Insurance. Our goal is to insure our customers with the best coverage and service possible inorder to protect their assets.

Our office is located in Northern Rhode Island. Esten & Richard Agency is licensed in all of the New England states as well as New York, New Jersey and North Carolina.


Esten & Richard is the only locally owned insurance agency in Woonsocket, RI. We have grown over the years by acquiring a number of locally owned insurance agencies.

As a member of the Trusted Choice & Independent Insurance Agents & Brokers of America, we aspire to provide high quality insurance services to our clients through the "Trusted Choice Pledge of Performance".


Imagine having an insurance agent that's on your side... That's just what you'll get with Esten & Richard Agency.

We are not employed by an insurance company. We are contracted with many carefully selected insurance companies that have "excellent" or better A.M. Best Co. financial ratings. We will choose the one that specifically suits your insurance needs. As your independent insurance agent, we'll get you the best coverage at the best price.

Meet Esten & Richard's official mascot, Elsa the bulldog


Frank Richard, President of Esten & Richard

Frank RichardPresident

The Esten & Richard Agency was established in 1981 by Frank Richard, following his purchase of the Esten Agency, Inc. Frank has over 40 years' experience in the insurance industry and has held a number of insurance company leadership roles throughout his career, including claims adjuster, underwriter and marketing manager. He has also served as the President of the Independent Insurance Agents of Rhode Island.


Barbara Kirby, Agency Manager at Esten & Richard

Barbara KirbyAgency Manager

Barbara joined Esten & Richard in 1989. Besides serving as Agency Manager, Barbara is responsible for Information Systems and Administration, as well as serving individual Personal lines clients.


Steve Thibault, Vice President at Esten & Richard

Steve ThibaultVice President

Steve joined the agency family in 2010 after a successful career in Commercial Banking including a five year stint as a branch manager. He lives in Woonsocket with his wife Amy and their two children Callie and Connor. He is also active in several non-profit organizations in Rhode Island and is involved in youth sports.


 Vice President Tim Richard at Esten & Richard

Tim RichardVice President

Tim joined the Esten & Richard Agency in 2012. He is a graduate of University of Tampa. Tim previously was affiliated with a regional marketing firm procuring sponsorships for college athletic programs. He is an avid fan of college basketball as well as all of the New England professional sports teams. Tim resides in North Providence with his wife Alex and daughter Gianna.


~ All of the Above Individuals are Partners in Esten & Richard Agency, Inc. ~