Great coverage starts with a conversation

Based in Denver, Chris Lugo has been serving clients in the insurance industry since 2016. At Cornerstone Insurance Agency, Chris focuses on making insurance simple, affordable, and effective by tailoring policies for home, auto, life, and flood coverage.

He takes pride in saving clients both time and money, while ensuring they have the protection they need for life’s unexpected events. Known for his approachable style and enthusiasm, Chris values building strong relationships and being a trusted resource for families year after year.

When he isn’t helping clients, you can find Chris cheering on the Denver Broncos or Denver Nuggets, proudly supporting his hometown teams and community.

Chris O’Brien serves as the Insurance Sales Manager for Cornerstone Insurance Agency in Colorado and Texas. With over five years of experience, he specializes in home, auto, landlord, and excess liability coverage, and is also licensed for life insurance and approved for high-value and E&S lines.

Chris is passionate about helping families secure the right coverage at the best price, often uncovering gaps that could otherwise leave assets unprotected. He takes pride in making a positive difference in people’s financial security, whether through saving them money or ensuring claims will be covered when needed most.

Outside of work, Chris enjoys sports, especially football, and scuba diving, always seeking new challenges both in and out of the water.

Miguel Robles brings nearly a decade of leadership experience in the medical technology field to Cornerstone Insurance Agency. He now applies that same discipline and attention to detail to helping individuals and families find the right insurance coverage at the right price.

Miguel takes pride in finding meaningful, lasting, and consistent solutions for everyone he talks to. He is passionate about taking the time to understand each client’s situation, so the protection he recommends is complete, lasting, and gives families real peace of mind.

Outside of work, Miguel loves travelling with his family and experiencing new cultures, and he is also a huge Denver Broncos fan.

Anne Sullivan brings warmth, knowledge, and a client-first mindset to Cornerstone Insurance Agency’s Denver office. She began her career at Cornerstone in the company’s mortgage servicing division as a member of its Customer Care team, where she quickly earned a reputation for her dedication and attentiveness in helping clients with day-to-day insurance needs.

Now, Anne specializes in high net-worth insurance solutions and guides families through the process of selecting the right coverage for their homes, cars, and more, always with a focus on long-term security and peace of mind. In addition to her work in insurance, Anne is also a licensed real estate agent in Colorado.

Outside of the office, she enjoys spending time with her husband and three kids, traveling, and trying new restaurants.

Chris Walton brings more than a decade of insurance expertise to Cornerstone Insurance Agency, with experience in both captive (State Farm, Farmers, Allstate) and independent agencies.

Before transitioning into insurance, he spent over 20 years in retail leadership, where he developed a strong foundation in customer service and team building. Chris is passionate about helping others become the best version of themselves, whether through mentorship, volunteer work, or guiding families toward the right insurance coverage.

Based in Denver, he is an active mentor with Save Our Youth, serves the homeless, and leads several church groups. Outside of work, Chris enjoys spending time with his wife and two daughters, as well as connecting with friends and his community.

As Principal of Cornerstone Insurance Agency, Shelley Wells combines expertise, compassion, and a true client-first approach. Shelley joined Cornerstone in 2021 as part of the company’s mortgage servicing division, serving on the Customer Care team, she gained valuable insight into customer needs and common pain points consumers experience—particularly with home insurance.

Today, Shelley specializes in designing personalized insurance solutions that balance coverage and value, ensuring every client feels protected and supported. Her attention to detail and dedication extend far beyond binding a policy. She is committed to building long-term relationships that give families peace of mind, year after year.

Outside of work, Shelley enjoys pottery, Pilates, and golfing with her husband, embracing the same balance of focus and joy she brings to her clients.