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.

Andy Roy

Andy Roy


I started in the insurance business in 1989 selling life insurance part time to bring extra income and a better life to my family while working the truck line. It was a difficult time in Denver – we were just coming out of the recession and several oil companies had pulled out of the State and people were very uneasy about spending money. After about two years of selling life insurance, I looked to see what is something that everyone needs – Auto and Home Insurance. At that time I started my agency with Farmers Insurance. During my time with Farmers I earned many awards and was in the top 5% of agents. In 2008 I made the switch to become an Independent Agency to better serve my clients. For the last 8 consecutive years my agency has earned the “Five Star Professional” Award for Auto/Home Insurance Professionals.

I enjoy going to the lake and water skiing and camping with my family during the summer. I also enjoy four-wheeling and vacations with my wife. I have 5 grandchildren that are my joy!

Ryan Roy


I am a native of Arvada Colorado and still live and work in the area. I graduated Faith Christian High School in 1998 and have worked in retail, warehouse, mortgage banking, construction and insurance. In my free time I enjoy woodworking (currently playing with wood and epoxy), camping, boating, waterskiing, spending time with family and friends. I have a Chihuahua named Norman, who rules the house.

Favorites: Movie: Anything Mel Brooks

Book: Car & Driver counts, right?

Drink: Not Your Father’s Root Beer

Vacation: Lake Pueblo or Disney World

Car: Late 70’s Cadillac Fleetwood Brougham

Growing up around insurance I have seen the industry change and have heard about the good and bad coverages and the implications that they had. I enjoy helping explain the coverage and why you need it. I believe that insurance is the foundation for financial success.

Beth Woodward

Account Manager

I have been in the insurance industry for a little over 4 years. Most of you know me already, as I worked for Davis Insurance (for Bob & Lonna Davis), now I’m with 3R as we merged with them earlier this year, and it has been a great experience working with them. It has truly always been and still is a family environment here in our office, and that along with being able to help our customers as best as I can, makes me feel like I make a difference and makes it worth coming to work everyday.

I enjoy my quiet time when I am not working as well as spending time with my wonderful son who is an absolute blessing in my life and thank God everyday that he is still here with me. His past experience of being hit on his motorcycle about 3 years ago, has really helped me express the importance of the Right Coverage for our clients whether it be on a bike or in a car, which is a major part of our motto, which we can never stress enough:

Right Coverage

Right Value

Right Agent

I look forward to making a difference in your life, to make it better, as much as I possibly can when it comes to your insurance needs.

Heather Smith

Account Manager

I am new to the insurance scene and newly licensed, but I’ve been working in customer service related fields for decades. I worked for a non-profit organization (a church) for 20+ years and loved it. Originally from rural Iowa, I’m still a small-town girl who is interested in most everything about everyone. I am the wife of one great guy and mother to four fun young adults, including one son-in-law. My favorite activities include being outdoors, walking, hiking, cycling, reading, eating candy, and time with family and friends. I look forward to getting to know you, serving you, and learning more about the ins and outs of insurance so I can serve with excellence as an Account Manager here at 3R! We have your back!

Colette Briggs


I live in Westminster, CO with my husband, 4 kids, and 2 dogs. When I’m not watching my kids play sports, I enjoy spending time camping, traveling, hanging out with family and friends, and reading. Some of our favorite places to go are Lake Pueblo, Poudre Canyon, and South Dakota.

I have worked in a Customer Service role for many years in the mortgage and real estate business. I have also worked in the insurance business off and on since high school.

I’m looking forward to re-learning the insurance industry as well as getting to know our clients and how we can best meet your insurance needs!

Catie Riddle


I am a native of Arvada, CO and live in the area with my husband and 2 children. The insurance scene has been a learning curve (I have worked in childcare most of my working career), I have enjoyed working in this new environment and look forward to growth here!

I have a love of baking and trying new recipes and stay busy as a mommy when I’m not at the agency. We have a few favorite vacation spots in Ocean City, NJ; Poudre River cabin trips; and our new family favorite, Santa Fe, NM.

I am looking forward to getting to know you and thank you so much for choosing 3R Insurance Agency for your insurance needs!