Some of Our Premium Insurance Solutions

With more than 30+ years of experience in banking, finance, insurance, sales, and business leadership, Julie Simmons brings a unique financial perspective to insurance. Her career has been built around one fundamental principle: understanding the client first, then finding the right solution to protect what matters most.

Julie began her career in banking and went on to hold leadership and business development positions with major financial institutions, including JPMorgan Chase, Citibank, Bank of America, M&T Bank, and HSBC. Throughout her banking career, she worked closely with individuals, entrepreneurs, and businesses, helping clients navigate financing, credit, cash flow, risk, and long-term financial decisions.

Her transition into insurance was a natural extension of that experience. As an insurance professional and agency leader, Julie has developed expertise in personal and commercial insurance, risk assessment, client relationship management, business development, and customized coverage solutions. She has consistently demonstrated strong sales performance while maintaining a client-focused approach to insurance.

Julie believes insurance should never be a one-size-fits-all transaction. Every individual, family, and business has different risks, goals, and priorities. Her approach is to listen, educate, evaluate coverage needs, and help clients make informed decisions with confidence.

Beyond insurance, Julie is passionate about financial literacy, entrepreneurship, leadership, and helping business owners succeed. She has coached sales professionals, trained teams, organized educational and networking events, and worked with organizations supporting small businesses and women entrepreneurs.

Today, Julie combines her extensive financial background, insurance experience, and commitment to personalized service to help clients protect their families, businesses, assets, and financial futures.

Your goals are unique. Your protection should be too.

Toruus Insurance was built on a simple belief: insurance should be about people, not just policies.

With more than 30 years of experience in banking, finance, business development, insurance, and leadership, our founder, Julie Simmons, understands that protecting what you have built requires more than simply finding a policy. It requires understanding your goals, your risks, your family, and your business.

That experience is what makes Toruus Insurance different.

We take the time to listen, educate, and build insurance solutions around each client's individual needs. Whether you are protecting your home, your family, your vehicle, your business, or your financial future, we look beyond the policy to understand the bigger picture.

Personalized Guidance
We don't believe in one-size-fits-all insurance. We take the time to understand your needs and help you make informed decisions.

Financial Expertise
Our background in banking and business gives us a broader understanding of financial risk, business ownership, lending, and long-term financial planning.

Personal & Business Protection
From personal insurance to commercial coverage, we help individuals, families, entrepreneurs, and established businesses protect what matters most.

Education Before the Sale
We believe an informed client is an empowered client. Our goal is to help you understand your coverage not simply sell you a policy.

Relationships That Last
We are committed to being there beyond the initial sale, helping clients review their coverage as their lives, businesses, and financial goals evolve.

Our mission is to protect what matters most by providing personalized insurance solutions, knowledgeable guidance, and exceptional service—while building lasting relationships with the individuals, families, and businesses we serve.

At Toruus Insurance, we don't just insure your assets. We help protect your future.

At Toruus Insurance, we believe great insurance starts with great people.

When we build our team, we look beyond résumés and sales numbers. We look for personality, integrity, empathy, curiosity, and a genuine desire to help people. We want team members who enjoy meeting clients, listening to their stories, understanding their needs, and building relationships that go far beyond a single policy.

Our team members are educators, problem-solvers, relationship builders, and advocates for our clients. We believe the best insurance professionals don't simply sell coverage they earn trust.

We look for people who are:

• Client-focused – genuinely committed to helping others.
• Relationship-driven – interested in building lasting connections, not one-time transactions.
• Positive and personable – approachable, professional, and enjoyable to work with.
• Curious and knowledgeable – always willing to learn and understand the products and industries we serve.
• Honest and dependable – committed to doing the right thing for our clients.
• Driven to grow – motivated to develop personally and professionally while contributing to the success of the team.

We don't hire people simply to fill a position. We hire people who believe in our mission.

Our mission is to protect what matters most through personalized insurance solutions, knowledgeable guidance, and exceptional service. Every member of our team plays a role in delivering on that promise.

Because at Toruus Insurance, relationships aren't an added benefit—they are the foundation of everything we do.