Carol Koltz

Personal Lines Licensed Agent

Carol has been integral to our company’s success. She’s become a familiar, friendly voice on the phone for so many of our clients thanks to her long history at Smith & Hatch. Carol holds an associate’s degree in accounting from Moraine Park Technical College.

Getting Personal
Carol lives in the Village of Eden with her husband Duane and their two boys, Kyle and Kody. She enjoys camping, going to Milwaukee Brewers games, watching the kids play sports and spending time with family.


During this unprecedented time in our world right now, we want to be proactive and do our part to combat the spread of the COVID-19 virus.  For the safety of our employees and clients, effective March 18th, our Eden and Kewaskum offices will be closed to visitors until further notice.  At this time, our employees will continue to service our clients via the phone and email. 

Please visit your insurance company website to make payment or our website at and click on “Who We Represent”.   Please call or email our offices if you have any questions or concerns.  Please visit our website or Facebook page for further updates.

It is important to remember that we are all in this together and the mission is to limit transmission so we can all get back to our normal lives as soon as possible.  Thank you for your patience and understanding.