Insurance Guru.


business experience

In 2004 I quit my job and moved my young family of four with one on the way back to my hometown of Denison Iowa. I joined the family business (Thams Agency) and was soon involved with the world of insurance. As our family grew and my experience grew I was able to purchase the business from my parents in 2012. Today ThamAgency is a third generation family business in rural western Iowa with two locations.  

I have really enjoyed working in the Insurance industry. I’m able to work with great people and great clientand this industry tends to reward those who work hard. I’ve never been one to be happy with the status quo, and have always pushed for personal growth, company growth, and to make everything better.  

This constant pursuit of growth had me searching for a number of ways to create a better agency, and a better customer experience. One of my primary focuses in insurance has been workers compensation.  While most businesses and agents don’t really care for workers compensation, I lead with it.  It’s the only line on an insurance policy that the business can directly control.   

In 2018 I formed a new digital agency called Direct Work Comp LLC. I wanted to create a way to help businesses purchase workers compensation policy on their terms.  Most agents and companies tend to overprice small workers compensation policy’s, because they can. Direct Work Comp helps solve that problem and we can write business nationwide. 

In 2020 I formed a new company to help support businesses and agents who work with Workers Compensation Insurance.  Mod Advisor LLC helps graphically illustrate to business owners, HR Managers, C Suite executive and Risk Managers the added insurance cost of poor risk management and costly claims.  It helps easily identify trends and problem areas for businesses that they may not have known about.   



Personal experience

I’m married to Emily Thams who grew up in Carroll, IA.  Together we have 3 beautiful daughters – Haley, Alyssa, and Sarah.  Haley attends college at Iowa State University and Alyssa and Sarah are currently homeschooled and taking college level courses. 

Our family is very active.  Our days are filled with boating, bicycling, college football games, violin lessonsdance and gymnastics, boys, cooking, shopping, Pilates, reading and anything else life might throw at us.   


Companies & Brands

Thams Logo

Thams Agency is a multi-generational insurance agency located in Western Iowa.  Our team provides traditional insurance services in several Midwest states.  Our insurance services include health insurance, personal insurance and commercial insurance.   

Direct Work Comp is a digital agency licensed in several Midwest states and helps businesses gain access to lower-priced worker’s compensation insurance using the latest technology.  Many types of businesses are eligible to purchase workers compensation and can get an instant quote in under 3 minutes.  

Mod Advisor is a software and consulting company for Insurance Agents and other vendors who are focused on workers compensation insurance.  Mod Advisors’ software provides detailed reporting on a business’s prior workers compensation history in a visual format to help business owners, HR Managers, C-Suite Executives, Agents, and Risk Managers understand the financial costs of workers compensation claims.  Reports can be produced instantly in an easy to understand format. 



Let's Connect

I live on LinkedIn when it comes to networking. If you want to see cooking videos, I suggest connecting with me on Facebook! 

Email: todd@modadvisor.com

Tel: 800-578-4122