Who We Are


Banks Channel Owner, Karen Bright is a licensed agent with 10+ years experience writing personal and commercial insurance on the coast. She has spent her entire insurance career specializing in writing polices for homeowner’s on the coast, and has a vast knowledge of the wind/hail and flood needs in the area. Karen is also knowledgeable in commercial lines and life insurance and is able to answer questions and meet the special needs of clients starting a new business or shopping for new insurance. She has the ability to research multiple carriers to get the best pricing and policy possible. Having moved here from Vermont, Karen understands the different needs for insurance on coastal properties and is able to answer the questions people have who are new to coastal living.

Karen will review your policies each year to be sure you have the right coverage and best pricing available. Banks Channel Insurance has multiple carriers giving Karen the ability to place your home whether it’s brand new, or historic, primary, secondary or a rental, whether you are the renter or the landlord, Karen can find the policy for you.

Karen moved to Wilmington after graduating from the University of Vermont in 2001. In her spare time she enjoys time on the boat with her husband and daughter and traveling back to New England to see her family. She volunteers locally with multiple organizations and most enjoys services that benefit educating children in our area.

Karen Shanley Bright, Owner
Banks Channel Insurance
Work: (910) 777-2744
Cell: (910) 465-9096
Email: karen@bankschannelins.com


Kim Baxter is a licensed agent with Banks Channel Insurance with 14 years of experience writing personal and commercial insurance on the coast. She grew up in Brunswick county and has spent her insurance career writing coastal insurance. Kim’s experience has allowed her to not only understand the ins-and-outs of insurance, but also to service hundreds of families regarding their protection needs. She can help you protect the things that are important – your family, your home, your car, your business and more.

Kim enjoys being a part of the community and says building local relationships is one of the best parts of her job.

“I know what life is like here, and that you choose your car and your home to fit into your budget and to meet your needs. I also know how important it is to do the same when it comes to insurance.”

She is committed to helping residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or business, she available to answer your questions.

In her spare time, she enjoys time on the water with her husband and family and she volunteers with her local church to give back to our community.

Kim Baxter, Agent
Banks Channel Insurance
Phone: (910) 444-1595
Email: kim@bankschannelins.com


Nikki Rutledge is a licensed agent with extensive knowledge and experience in personal and commercial insurance. Nikki is passionate about educating her clients and working with them to provide customized policies and plans to ensure a successful future.

Nikki is a native of Wilmington, NC affording her the knowledge and personal experience to help her clients acquire the best coverages available. She works hard as a local agent to build long lasting relationships with her clients. Nikki takes pride in helping families by providing peace of mind when life changes or a loss occurs.

As a mother to 3 young boys, Nikki spends many weekends watching them play sports and creating lasting memories by the ocean. She also enjoys dedicating time with her family to volunteering with special needs children and families.

Nikki Rutledge, CISR
Direct Line: (910) 442-8576
Email: Nikki@bankschannelins.com