Josh Lowry brings more than 25 years of executive leadership, commercial insurance, and business consulting experience to clients throughout Idaho and the Northwest. Throughout his career, he has advised organizations ranging from family-owned businesses to companies generating more than $100 million in annual revenue, helping business owners manage risk, protect their assets, and make informed decisions that support long-term success.

After graduating from Mayville State University, where he played collegiate football, Josh began his professional career with Wells Fargo, where he spent 13 years in leadership, finance, business development, and strategic consulting. In 2012, he joined Travelers, one of the nation’s leading commercial insurance carriers, where he partnered with independent insurance agencies throughout Idaho and the Northwest. Working closely with agency principals, underwriting executives, and carrier leadership gave Josh a unique perspective into how insurance companies evaluate risk, structure coverage, and underwrite complex commercial accounts—experience that now provides a distinct advantage for the clients he serves.

Josh has also owned and operated independent insurance agencies, giving him firsthand experience as both a business owner and trusted advisor. His background on both the carrier and agency sides of the industry allows him to advocate effectively for his clients while developing insurance and risk management strategies that go well beyond the annual policy renewal.

Today, Josh specializes in commercial insurance, construction and contractor risk, manufacturing, transportation, real estate, surety bonding, and complex business insurance programs. He believes insurance should be a strategic business tool that helps companies grow stronger, win opportunities, and protect what they’ve worked hard to build.

Fred Insure proudly builds upon the legacy of Fredriksen Health Insurance, a locally owned and operated Treasure Valley business that has been serving Idaho families and businesses since 1980. By expanding into commercial insurance, home, auto, life insurance, bonding, and employee benefits, Fred Insure provides comprehensive protection backed by experienced local professionals with deep Idaho roots and access to many of the nation’s leading insurance carriers.

Josh’s philosophy is simple: build lasting relationships, provide trusted advice, and always advocate for what’s in the client’s best interest. Whether serving a local family, a growing contractor, or a large regional business, his focus remains the same—delivering thoughtful guidance, exceptional service, and long-term strategies that help clients move forward with confidence.