Emily Fernandez

Emily joined our agency in 2018 and has become a key member of both our personal and commercial insurance teams. With a strong foundation in client service and a background in the medical field, she brings precision, empathy, and professionalism to every interaction. What she enjoys most about her role is building meaningful relationships with clients—understanding their lives, priorities, and helping protect what matters most to them.

Originally from Lima, Peru, Emily brings a warm and multicultural perspective to her work. Before entering the insurance industry, she spent six years working in Pediatrics, where she developed a strong sense of care, attention to detail, and trust-building—skills that now
strengthen her role as an agent.

Known for her reliability and client-first mindset, Emily is an essential part of our agency’s day- to-day operations and growth. Outside of work, she enjoys spending time with her husband and their three daughters, discovering new places together, and creating unforgettable family memories.

At Payne Insurance Agency, our mission is to provide expert guidance with the warmth of trusted professionals. We are committed to delivering clear, objective advice—paired with genuine care—so that every client experiences the peace of mind that comes from being truly protected.

841 Quince Orchard Blvd
Ste. J
Gaithersburg, MD 20878

1100 W Patrick St Unit C Frederick, MD 21703

3600 14th St. NW Washington, DC 20010

(301) 921-7800

Carriers