PCIA’s team specializes in working with professional service firms. Communication, quality, and risk management solutions are the cornerstones of PCIA’s operating approach. These individuals are professional insurance experts…..so you don’t have to be.

Client Representatives

Contact the following staff regarding Insurance Reviews, Contracts and Engagement Letter Reviews, Education Seminars or Risk Management Advice and Tools:

Client Services

Contact the following staff regarding Claims, Certificates of Insurance, Policy Questions, Endorsements, Renewal of Coverage, Binding of Coverage or Changes to Coverage:

Kim's insurance career began in 1978. Since 1985 she has specialized in working closely with professional firms to design insurance and risk management programs to meet their unique needs.

In 1988, Kim was a founding principal and helped establish Professional Concepts Insurance Agency, Inc. (PCIA). Through Kim's leadership and management, PCIA has grown to serve a clientele of over 1000 professional firms.

Kim is a past member of the ACEC MI Risk Management Committee. She currently serves on the AIA Michigan Summer Conference Committee. In 2004, the Society of Marketing Design Professional Services (SMPS)-Michigan announced the selection of Kim Fricke as a member of its Board of Influence. In 2003, AIA Michigan honored Kim by naming her an Honorary Affiliate member. Kim is a past President and member of the national association Professional Liability Agents Network (PLAN) an association dedicated to the risk management needs of design professional firms. On behalf of her clients and industry groups Kim participates on a regular basis in the facilitation of contract and engagement letter negotiations.

She has been invited to give numerous speeches and seminars for various professional associations and has taught risk management on an ad hoc basis at major universities in Michigan. Various industry publications have requested interviews, published written articles, and have frequently quoted Kim's comments and recommendations on specific industry issues, i.e., professional liability - including team project professional liability, design/build, partnering, dispute resolution and general business advice.

Kim is married to Cody Young and they enjoy showing their cutting horses in their spare time.

Mike represents many of PCIA's largest clients, providing risk management consultation, educational seminars, and contract reviews from an insurability and risk management standpoint. Mike serves the professional associations of his clients by donating his time and expertise when and where needed. Mike has served as Co-Chair and Chair of the Engineering Excellence Awards Committee for ACEC/MI and MSPE. He is also the Vice Chair of the Risk Management Committee for ACEC/MI, and a member of the AIA Membership committee. Mike has also served as Treasurer for the Society of Marketing Professional Services (SMPS) MI.

Mike began his insurance career with PCIA in 1990 as a summer intern. A graduate of Olivet College, Mike received his B.A. in Business with an Insurance concentration. At Olivet College he studied risk management and insurance techniques, specializing in commercial property and liability coverage.

Mike has a beautiful bride, Allison Marie Cosgrove.Allison is an elementary school teacher. Mike and Allison were blessed with the birth of their daughters, Kennedy Paige in 2003 and Sophia Elizabeth in 2008. The family enjoys spending their spare time living in Livingston County.

Julie brings over fifteen years of diverse insurance experience to PCIA, including customer service, sales, underwriting, rating and service expertise from prior positions with two major insurance companies.

Julie earned a Bachelor of Science degree from Michigan State University. She is a licensed Property and Casualty agent in several states PCIA serves. She has also earned her Certified Insurance Counselor (CIC) and Associate in Insurance Services (AIS) designations.

Julie resides in Howell, Michigan with her husband Corey and two children. In her spare time, she and her family enjoy camping and traveling.

Robert Vozza earned his Bachelor degree from the University of Michigan in 1993 and his Juris Doctorate degree from the University of Detroit Mercy School of Law in 2000. He practiced law throughout Michigan with Garan Lucow Miller, P.C. and Kaufman Payton and Chapa, P.C. for nine years prior to joining PCIA. His primary areas of focus as an attorney were in risk management and insurance defense.

Robert is uniquely suited to serve the legal and accounting professional industry on behalf of PCIA.

Robert hails from Traverse City and is an avid sports fan. His personal interests include travel, technology, movies, literature and music. He is an active member of the State Bar of Michigan.

Doris began her insurance career in 1974, with her family agency in Dowagiac, Michigan. After graduating from high school, she obtained her agent’s license in Property & Casualty and Life & Health, earned her degree in accounting from Southwestern Michigan College and then a business degree from Michigan State University. From college, she worked in California with an agency in Beverly Hills. While California was great, Doris moved back to Michigan in1985 to continue with her family agency, Dixon-Livingston Insurance. In 2001, she was elected President for the State of Michigan’s Business and Professional Women’s organization. In 2008, Doris continued her education by receiving her AAI (Accredited Advisor in Insurance) designation.

Doris has a unique and very successful ability to build relationships with clients. She provides the insurance expertise they need which equates to peace of mind for those she serves. She is dedicated to her profession, her family and enjoys life with love and laughter.

Tina has specialized in Lawyer’s Professional Liability for over 5 years prior to joining PCIA. She has worked in an Agency/Carrier environment achieving a diverse understanding of the insurance industry. Over the years Tina has performed many roles including Sales, Underwriting and Customer Service. Tina was provided the opportunity to hold the position as “Team Leader” for the “Customer Service Team”. While holding this position, she had the privilege of mentoring members and assisting them in achieving their customer service goals. Tina has achieved a Bachelor’s degree in Marketing from Davenport University and a Master’s Degree in Business Administration/E-Business from the University of Phoenix. She is licensed in “Property Casualty” in Michigan and various other states in the U.S.

Tina currently resides in Kentwood Michigan with her husband and two kids. Tina enjoys spending time with her family and friends. She also likes to vacation in Traverse City where her family has a membership at a local campground.

Ron Kacic earned degree in communications from Specs Howard. Prior to becoming an insurance professional he served the payroll industry. He worked with CPA firms in the placement of payroll services for their clients. By providing excellent customer service and with his strong bookkeeping skills he earned the respect and loyalty of his clients.

At PCIA, Ron serves the CPA community by evaluating their risk exposures and insurance needs making appropriate recommendations to protect their assets and reputation.

Some of Ron’s hobbies include, being a dedicated Notre Dame Football fan, basketball, cycling, wine tasting, and spending time with family and friends.

Melissa has been in the insurance industry for over 8 years, with a diverse background in customer service, rating, sales, and marketing. She has held past positions in Personal Lines, Commercial Lines, and Group Benefits.

Melissa has a Bachelor of Arts degree in Communications and English from Oakland University in Rochester, Michigan. She is licensed by the State of Michigan in Property & Casualty Insurance and Health & Life Insurance. She is currently pursuing the Accredited Advisor in Insurance (AAI) Designation.

Melissa resides in Wixom, Michigan with her significant other, Michael. In her spare time, she enjoys biking, fishing, playing poker, reading, cooking, and spending time with family & friends

Donna has been in the insurance industry for 7 years, and was licensed in Property and Casualty Insurance in 2004. Donna is responsible for the Architects and Engineers customer service and policy management.

In her free time, Donna enjoys spending time with her husband, 2 children, and 2 dogs.

    Krista Behr
    Account Manager, Business Coverages
  • Phone: 810-224-5264
  • FAX:  800-969-4081
  • kbehr@pciaonline.com

Krista is an Account Manager for Business Coverages. She earned a Bachelors of Science degree from Kent State University specializing in Finance and Marketing. Krista maintains her Property and Casualty as well as Life and Health insurance licenses. She has experience in customer service, sales, underwriting, rating, and risk management.

Krista is from Pittsburgh, Pennsylvania and is a devoted Steelers fan. Her personal interests include travel, sports, wine tasting, and playing with her dogs, Hines and Hunter.

Tracy has 7 years experience in commercial insurance, and specialized in aviation prior to joining PCIA. She is a licensed Property & Casualty agent and earned her Certified Insurance Service Representative (CISR) designation in 2005. Tracy assists PCIA's clients with their business insurance needs.

Her personal interests are reading, traveling, and spending time with family and friends.

Barb Wasalaski has over 15 years experience in an independent insurance agency setting. Barb has many years experience in the accounting field with working in public accounting firms and also in private firms. Barb will be handling all of our day-to-day accounting for our clients and PCIA.

Barb is a graduate of Lake Superior State University. She has been married to her husband Rick for over 20 years and they have one grown son, Matt. In their leisure time they enjoy camping, hiking, geocaching and spending time with their son and three Labradors.

Leah assists CPAs and Attorneys with their professional liability insurance.

Leah is married and has 2 sons. They enjoy as a family, skiing, boating, traveling, movies and family outings.

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