Stephen Appenfelder

Stephen is a seasoned insurance expert with over a decade of industry experience—beginning with eight years as a commercial lines underwriter, where he sharpened his skills in risk assessment, client advising, and competitive pricing for agencies nationwide. In 2019, he launched Eschaton Insurance and Risk Management to bring a fresh, client‑first approach to the market, and in 2020 he acquired Adkisson Insurance Agency, steering the firm’s growth in the Florence/Union community.

Beyond policies and premiums, Stephen is on a mission to make insurance less intimidating, more affordable, and genuinely helpful. A proud Ohio transplant turned Northern Kentuckian, he lives in Florence with his wife, Marjie, and their three daughters. When he’s not crafting smarter coverage solutions, you’ll find him cheering on local businesses, volunteering at Florence Vineyard Church, or sharing laughter and adventure with his family.