Why A Woman-Led Utah Insurance Brokerage Is Rewriting How Centerville Families Get Protected Before Crisis

Episode Summary

On this episode of Utah Business Spotlight, host Peter Anthony sits down with MJ Martinez, founder of MJ Martinez Insurance Agency in Centerville, Utah, a record-winning national powerlifter, single mom of two, and one of the most relentless independent insurance brokers in the Davis County market. MJ Martinez opens with the story behind the agency's DNA, a car that burned down while she was in college only to reveal a policy that had been set up wrong, leaving her with zero coverage and no vehicle for months. That moment is the reason MJ Martinez Insurance Agency exists, to make sure no Utah family discovers their coverage gaps in the middle of a crisis.

MJ Martinez walks Peter Anthony through the founding arc. After years as a registered securities representative at a local bank, MJ Martinez discovered the insurance industry the day a client deposited a Farmers commission check, interviewed multiple carriers, and landed a State Farm internship in 2011. MJ Martinez ran a captive State Farm agency for seven years, and after emancipating herself from a difficult marriage with two young kids, rebuilt the practice as an independent multi-carrier brokerage now known as MJ Martinez Insurance Agency. The brick and mortar office is in Centerville, Davis County, and the agency is also fully mobile and virtual at myutahinsurancebroker.com.

The conversation goes into the agency's protection-first philosophy. MJ Martinez is a relationship operator who remembers the names of clients' kids, the toys they own, their life goals, and the conversations most agents forget the moment they hang up. Peter Anthony names the DNA on the record, MJ Martinez Insurance Agency finds human beings in the middle of something hard and builds a wall of protection around them before the next thing hits. The agency serves a wide cross section of Utah, realtors, lenders, construction companies, blue collar trades, accountants, attorneys, doctors, and everyday families looking for a properly built auto and home policy.

MJ Martinez and Peter Anthony close on the secret weapon Utah business owners do not know about until after they sign. MJ Martinez Insurance Agency is a multi-product, woman-led brokerage that writes commercial insurance, building coverage, workers compensation, life, and health insurance in addition to home and auto. MJ Martinez also shares the powerlifting story behind the agency's discipline, a national record, a chase for a 300 pound deadlift at 123 pounds body weight, and the rhythm of sleep, food, water, steps, and coaching that produces both athletic and business results. MJ Martinez closes with advice for young Utah women considering the entrepreneurial leap, do it, write the business plan, hire the coaches, and run from negativity. Reach MJ Martinez Insurance Agency in Centerville, Utah at myutahinsurancebroker.com, or search MJ Martinez Insurance Utah on Google. Utah Business Spotlight is produced by INCubator Marketing Agency and filmed in Sandy, Utah.

Key Moments

00:00 Powerlifting, Pressure, And Confidence · 00:57 Utah Business Spotlight Opens · 01:23 Meet MJ Martinez Insurance Agency · 02:46 Finding The Agency In Centerville · 03:52 Why Insurance Became The Business · 04:12 The Bad Coverage That Changed Everything · 05:41 Relationships Before Policies · 06:35 How MJ Found The Insurance Industry · 07:40 From One Carrier To Brokerage · 08:32 The Protection-First Agency DNA · 10:10 The Clients MJ's Agency Serves · 11:03 Powerlifting Through Depression And Insecurity

Notable Quotes

"I love to manage risk. I love to think worst case scenario, because I have lived it." — undefined

"I had a car burn down on me and found out my policy was set up wrong. That is why this agency exists." — undefined

"We find humans in the middle of something hard and build a wall of protection around them before the next thing hits." — undefined

"If you are sitting on top of something great, do it. Find a way. Write the plan. Hire the coaches. Run from negativity." — undefined

Frequently Asked Questions

Who is MJ Martinez?

MJ Martinez is the founder of MJ Martinez Insurance Agency, an independent multi-carrier insurance brokerage based in Centerville, Utah. MJ Martinez began as a registered securities representative at a Utah bank, opened a State Farm agency in 2011, and rebuilt the practice as a fully independent brokerage serving Utah commercial, personal, home, auto, life, health, building, and workers compensation insurance clients.

Where is MJ Martinez Insurance Agency located?

MJ Martinez Insurance Agency has a brick and mortar office in Centerville, Davis County, Utah and serves clients across the Wasatch Front in person, by phone, and virtually at myutahinsurancebroker.com. The fastest way to find the agency is to search MJ Martinez Insurance Utah on Google.

What types of insurance does MJ Martinez Insurance Agency write?

MJ Martinez Insurance Agency is a multi-product brokerage. Coverage includes auto, home, commercial insurance, building insurance, workers compensation, life insurance, and health insurance. The agency shops multiple carriers to bundle the right protection at the best price for each Utah client.

Why does MJ Martinez focus on protection before crisis?

MJ Martinez was once left with zero coverage when a car burned down and her policy turned out to be incorrectly written. That experience shaped the agency's DNA. MJ Martinez Insurance Agency asks the exposure questions other agents skip and structures policies so Utah families do not discover coverage gaps in the middle of a claim.

Is MJ Martinez really a national record powerlifter?

Yes. MJ Martinez set a national powerlifting record at roughly 127 pounds body weight and is currently chasing a 300 pound deadlift, 260 pound squat, and 145 pound bench. The discipline of training, sleep, food, water, and coaching is the same operating rhythm she brings to running MJ Martinez Insurance Agency.

About INCubator Marketing Agency

INCubator Marketing Agency is Utah's first AI-integrated marketing infrastructure team, headquartered in Sandy, Utah and serving small businesses, founders, and operators across Utah County, Salt Lake County, and the wider Wasatch Front.

Every engagement is built around the INCubator Method: seven core marketing systems — authority web design, local SEO, CRM and pipeline, marketing automation, AI voice receptionists, video content, and conversion-focused funnels — installed together as one accountable infrastructure so every dollar compounds month over month.

The agency was founded by Peter Anthony Wynn (Founder & Marketing Strategist) with Marc Olsen (Partner & Automation Expert) and Chelsie Wynn. INCubator operates Utah Business Spotlight, a long-form Utah small business podcast filmed at Bad Bet Productions in Sandy, Utah, and hosts Tuesday Night at the INCubator — a weekly marketing training and networking event for Utah business owners.

Contact: team@incubatormarketingagency.com · +1 385-386-6988 · Office hours Monday through Friday, 9 AM to 5 PM Mountain Time.