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About Us

In 1987, the dream began to grow a successful service-oriented insurance agency with a competitive edge. Through the diligent efforts of a team of talented and experienced professionals, and with the confidence we have earned from our clients, we have grown and are recognized as a respected leader in the San Antonio and South Texas business community. Crandall & Associates is licensed to conduct business in ten other states, as well.


Today, we are a full-service insurance agency providing our clients with unparalleled services and products that meet the business community’s ever-changing and evolving needs. We are “Insurance By Design” and “Service By Professionals.” Let us design and service ALL your insurance needs.

To reach our agency, call us at (210) 696-8333 or email us at admin@crandallassoc.com.

Your Crandall & Associates Team

To better serve you at Crandall & Associates, we have put together a staff of qualified and experienced people to handle your day to day insurance questions and requests. It is our intention to provide you with service superior to that you might receive anywhere else. Your comments and suggestions are always welcomed.

Shirley Crandall, LUTCF


Shirley Crandall was first introduced to the insurance industry in high school when she worked part-time for The Travelers Insurance Company. She continued her employment with this insurance company throughout college, commuting from San Antonio to Southwest Texas State University (now Texas State University) in San Marcos.


Following graduation from Southwest Texas State with a BBA in Marketing, Shirley accepted a position in commercial sales for a telecommunications company. After 18 months she resigned to return to her roots in insurance and has remained in the insurance industry since then.

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Shirley accepted a position selling partially self-funded medical and dental insurance plans to employers with over 100 employees at Transport Life Insurance Company. During the mid 1980’s, Texas experienced an economic downturn and her clients were downsizing and/or purchased by another company. After four years in this position, Shirley decided to open her own insurance agency in January 1987 to provide an opportunity to acquire a larger share of the market. The agency was originally named SHIRLEY CRANDALL and strictly specialized in employee benefits and Shirley was the only employee.


The agency experienced continued growth due to Shirley’s insurance knowledge, marketing and service skills. The agency was incorporated in 1991 and renamed Crandall & Associates, Inc. The agency relocated to its current corporate headquarters 3 acre site in January 1993. For several years Shirley received numerous client requests to expand the agency’s portfolio to include Commercial and Personal Lines. In 1995 Crandall & Associates, Inc became a full service, multi-line insurance agency.


Shirley holds a General Lines Agent license (Life, Accident, Health and HMO and Property and Casualty). She received the designation of Life Underwriter Training Council Fellow (LUTCF) in 1992. She has served as president of the San Antonio Association of Health Underwriter’s. Shirley currently serves on the board of Clarity and Deborah’s House non-profit organizations. She enjoys serving and taking an active role in these and other non-profit organizations to give back to the community.


Shirley is also active in The Oakes Club and the National Association of Women Business Owners (NAWBO). She has served as co-chair of NAWBO’s Entrepreneurial Spirit Awards (ESA) luncheon which is a fund raising event to provide scholarships to young women interested in owning their own businesses. She served as the Door Prize co-chair for the 2004 and 2005 ESA luncheons and currently serves on the Corporate Partner Relations committee.


She resides in San Antonio with her three children.

Shirley Crandall

Lauren Culp

Vice President – Employee Benefits

Lauren handles rating for the employee benefits side of Crandall & Associates. After attending Texas A&M University, she decided to join the family business in July 2013, alongside her mother, Shirley, and brother, Tom. Lauren ensures our clients get the best medical rates and coverage for their employees.

Thomas W. Culp, CIC, CLCS

Vice President – Property and Casualty

Tom is a licensed agent in both property & casualty, as well as life, accident, and health insurance. Upon graduating from Texas Tech University, he joined the family business with his mother, Shirley, and sister, Lauren, in August of 2014. Since then, he has obtained the Certified Insurance Counselor and the Commercial Lines Coverage Specialist designations. Tom would be more than happy to answer any questions on new or existing policies, coverages, endorsements, or any other questions you may have.

Nancy Krogh

Commercial Lines

Nancy joined Crandall and Associates in October 2020 and brings 25 years of experience in the insurance industry to the team. Her prior experience was at other agencies handling different types of accounts, but also had a focus in healthcare. Reach out to Nancy if there’s anything you might need!

David Nicolas Miranda, CPCU, INS, API, AIS

Commercial Lines

David joined Crandall & Associates in December 2020. He started his insurance carrier in 2003 and has been working for independent insurance agencies since 2008. In that time David has attained his Chartered Property & Casualty Underwriter (CPCU) designation as well as the INS, API, and AIS designations to grow his knowledge of the insurance industry so that he may better serve his clients. David is always eager to help in any way. Don’t hesitate to reach out with any of your insurance-related questions or requests.

Diane Ordione

Diane Odiorne

Commercial Lines

Diane is a licensed insurance agent that handles both business and personal accounts. She joined the Crandall & Associates team in November 2014 with over 34 years of experience in the insurance industry. Of those 34 years, she spent 19 years working with Traveler’s Insurance Company and the remaining years were spent with independent agencies. Call Diane if you need to make any changes to your commercial or personal accounts, as well as any other questions you may have.

Daniel Lewis

Employee Benefits

Daniel started with Crandall and Associates in July of 2020. Daniel has received degrees in Information Technology with a concentration in Database Development as well as Business Administration from the University of Phoenix.  He brings over 15 years of experience in the employee benefits world.  Previous stops have included large and small TPA’s along with large and mid-sized broker houses before finally landing at Crandall and Associates.  Primary focus and passion is on the small to mid-sized employer groups that are often over looked due to their smaller size.

Michelle Burnett, SGS

Employee Benefits

Michelle is a licensed Life, Health and Accident agent. She joined Crandall & Associates in September 2009. With over 10 years of experience she handles the small group employee benefits accounts. She received her Bachelor of Business Administration degree with a concentration in Health Care Administration from Howard Payne University in Brownwood, Texas. Call Michelle if you need to make any changes to your employee benefits account or to discuss any questions you may have.

Jana Nentwich

Employee Benefits

Jana joined the Crandall & Associates team in April 2017. She is a licensed Life, Health and Accident agent bringing over fifteen years of industry experience. She has worked with a large insurance carrier specializing in self-funded group plans. Her knowledge also includes Medicare Advantage and Supplement plans. Jana has an eye for detail and enjoys offering great customer service to our clients.

Liz Castaneda


Liz came to Crandall & Associates in May of 2020. After graduating from Darton State College with an Associate Degree in 2016, she obtained a bachelors degree at Georgia Southwestern State University in Accounting. The majority of accounting background has been with small business bookkeeping over the last 5 years, and is experienced with payroll, accounts payable, accounts receivable and accounts reconciliations.  She really enjoys working for a family tight knitted company like Crandall and Associates!

Are you ready to let us redefine your definition of unparalleled service?