Your browser (Internet Explorer 7 or lower) is out of date. It has known security flaws and may not display all features of this and other websites. Learn how to update your browser.


Navigate / search

Bicycle Industry

Bike industry risk and insurance team

Quality Service from a Quality Team

Scott Chapin

Bicycle Industry Risk & Insurance Consultant

Scott Chapin Bicycle Industry Risk and Insurance SpecialistWith nearly 20 years of experience in the insurance industry, Scott has earned his reputation as a trusted and committed business partner to his clients. His consultative manner, thoughtful evaluation and client-first attitude allow him to make honest, objective recommendations that help ensure the long-term health of his clients’ business and employees. His reputation within the industry has led numerous bike and ski events and organizations - including the American Birkebeiner, the Chequamegon Fat Tire Festival, City of Lakes Nordic Ski Foundation - to seek him out for his advice and knowledge.

His “secret” is that he understands the bike and ski industry and the businesses involved. Furthermore, he’s dedicated to help those people and organizations involved. Scott first assesses a client’s operation, paying close attention to the industry-specific details that often go overlooked. He then designs and recommends a comprehensive insurance and risk management program that can include human resource consulting, loss control, and health management. His programs fill many of the voids commonly left open by other insurers not as familiar with the industry.

Scott is very involved in his community, Hayward, Wis., home to the American Birkebeiner and the Chequamegon Fat Tire Festival. In addition to being a member of several local business and civic organizations and holding board positions on many of them, he’s also the director of skier development with the American Birkebeiner Foundation. 


Theresa Terry

Client Manager

Theresa has been working in the insurance industry since 1982 and with MMA since 1999, and has experience with both commercial and personal lines of coverage. Currently, she works with business clients and is responsible for servicing and growing a large book of business, including a large number of clients in the bike industry program.

Throughout her tenure with MMA, Theresa developed the trust of customers and colleagues largely due to her loyalty and her dedication to looking out for her clients’ best interests, talking to them honestly and openly, and working tirelessly on their behalf.

Theresa keeps busy away from the office raising two active sons, and enjoys sports, interior design and politics.


Kathy McNitt

Client Executive

As an client executive in the Spooner, Wisconsin, office, Kathy is responsible for the customer service on various accounts and she also works in MMA’s retail bike shop insurance program. Prior to joining MMA, Kathy was employed at The 1st Agency where she was a customer service agent for both personal and commercial policies.

A true sense of accomplishment for Kathy is when she has spent the day working with a client to help probem-solve any issues that arise. She also enjoys working together with her teammates to accomplish department goals.

Kathy is a member of the Independent Insurance Agents of Northwestern Wisconsin (IIANW) where she also serves on the board. In addittion, she was a 2009 Whistler nominee. When not at work helping clients, Kathy enjoys spending time with her children and grandchildren. Her hobbies include gardening, motorcycle riding, reading and volunteering.


Learn more about MMA’s people and leadership.