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Client Representatives

Mike Cosgrove
President
810-224-5255
  |   Bio »   |   vCard Mike Cosgrove
Jamie Larson
Account Executive
810-224-5258
  |   Bio »   |   vCard Jamie Larson
Harvey L. Lee, RHU, REBC, CLTC
President, Total Benefit Systems Inc.
810-239-0200 ext. 203
  |   Bio »   |   vCard Harvey L. Lee

Client Services

Kim Fricke
Founding Principal
810-224-5254
  |   Bio »   |   vCard Kim Fricke
Theresa Falzetti, CIC
Account Manager
810-224-5261
  |   Bio »   |   vCard Theresa Falzetti
Shannon Cosgrove
Account Administrator

  |   Bio »   |   vCard Shannon Cosgrove
Carrie Giacobone
Account Manager
810-224-5267
  |   Bio »   |   vCard Carrie Giacobone
Kelly Komendera
Account Manager
810-224-5270
  |   Bio »   |   vCard Kelly Komendera
Kathryn Lance
Account Manager
810-224-5278
  |   Bio »   |   vCard Kathryn Lance
Sharene K. Graham
Account Administrator
810-224-5265
  |   Bio »   |   vCard Sharene K. Graham

Mike Cosgrove
President at Professional Concepts Insurance Agency

Mike is President and CEO of PCIA. He has established a reputation as a "hands-on" problem-solver for his clients' insurance programs and assists clients in training their staff in reducing their firm's professional services risks. His services include risk evaluation and insurance placement, contract reviews and negotiations, assistance with mergers and acquisitions and international project pursuits and risk management seminars.

Mike is very active in the professional associations of PCIA's clients serving on numerous committees, both as committee chair and active participation. He frequently contributes editorials on risk management issues and regularly presents at professional development events. Mike donates much of his personal time for the betterment of PCIA's client industries. Mike is also a trustee of the Michigan Architectural Foundation (MAF), Chairs the New Members Committee and serves on the Scholarship Committee for ACEC of Michigan. Mike is a past President of PLAN, the Professional Liability Agents' Network consisting of national and international insurance professionals serving the AEC industry.

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.

In his spare time, Mike enjoys spending time with his wife and two daughters.

Jamie Larson
Account Executive at Professional Concepts Insurance Agency

Jamie joined PCIA in 2010. In addition to her Account Management responsibilities she also performs a key role in process development and strategic planning within PCIA. Jamie is exceptionally organized and forward thinking. Always a team player, she is an important member of PCIA's staff and consistently highly rated by our clients.

Most recently Jamie helped launch a new program sponsored by PCIA, YoungPro Elite, focused on helping young professionals develop their networking and business careers. She is overseeing this program and conducts the monthly meetings in PCIA's training facility.

Jamie attended Central Michigan University and obtained her Michigan Property and Casualty License in September of 2013. She is currently taking steps to obtain her Registered Professional Liability Underwriter designation. With 10 years management experience prior to PCIA, Jamie's knowledgeable, proactive and goal-oriented attitude is a perfect fit for our results-driven clients.

In her free time, Jamie enjoys running, cooking, traveling and spending time with her husband and daughter.

Harvey L. Lee, RHU, REBC, CLTC
President, Total Benefit Systems Inc. at Professional Concepts Insurance Agency

Harvey Lee is the President and Co-founder in 1997 of Total Benefit Systems Inc., a group health insurance agency. His office address is 5151 Gateway Centre, Suite 200, Flint, MI 48507

Harvey is a 1985 graduate of Michigan State University Business School. After graduation, Harvey entered business in 1987. Harvey is a member of The National and Mid-Michigan Health Association Underwriters, and a Life-Time member of the Leading Producers Round Table. He sits on the Advisory Council for Blue Cross Blue Shield of Michigan and the Advisory Council of Health Plus of Michigan. Harvey is a Registred Health Underwriter (RHU), a Registered Employee Benefits Consultant (REBC), holds a Certified Long-Term Care (CLTC) designation and a Certified Self-Funding (CSF) designation.

Harvey is a Past President of the YMCA of Greater Flint, he currently sits on the Board for the Crim Foundation and is a former scout leader for the Boy Scouts of America.

Harvey has been married for 26 years and has two children.

Kim Fricke
Founding Principal at Professional Concepts Insurance Agency

In 1988, Kim was one of the founding principals and helped establish Professional Concepts Insurance Agency, Inc. (PCIA). Through Kim’s leadership and management, PCIA grew to serve a clientele of over 1000 professional firms.

Since 1985, she has specialized in working closely with professional services firms on their risk management needs, particularly in the areas of professional services agreements and other risk management requirements for their firm’s unique needs.

Kim is a past member of the ACEC MI Risk Management Committee and 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 a member of the National Association, Professional Liability Agents Network (PLAN) an association dedicated to the risk management needs of professional design firms. On behalf of her clients and industry groups, Kim participates on a regular basis in the facilitation of contract negotiations.

Kim 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.

Kim is married and resides in Livingston County. She and her husband enjoy traveling and spending time with their four grandchildren and family.

Theresa Falzetti, CIC
Account Manager at Professional Concepts Insurance Agency

Theresa has over 25 years of experience in the insurance industry. Her career began learning home and auto insurance. She expanded her experience to include commercial lines and agency management.

She serves PCIA's Account Management team providing daily assistance for PCIA’s many lawyers, accountants and physicians accounts for their insurance needs.

In addition, Theresa manages PCIA's daily operations. She excels in developing superior working relationships with internal and external partners to successfully promote the achievement of mutual operating goals.

Theresa earned the designation of Certified Insurance Counselor from the National Alliance for Insurance Education & Research. She has been a past Chairperson for United Way programs and has been involved in many charity events and programs throughout Washtenaw and Livingston Counties.

Outside the office, Theresa enjoys spending time outdoors, at sporting events, traveling and leisure time with her husband and son.

Shannon Cosgrove
Account Administrator at Professional Concepts Insurance Agency

Shannon has dedicated the last 18 years of her career operating within the classification of account administration. She demonstrates her strong work ethic and collaborative attitude daily when working with PCIA's Account Management team members.

Shannon supports multiple Account Managers preparing customer business correspondences ensuring timely and accurate communication. Shannon interacts professionally with all levels of the staff maintaining the highest level of confidentiality and is recognized for her tact and diplomacy in handling issues as well as her consistent ability to provide superior customer service while exceeding performance expectations.

In her spare time, Shannon enjoys family, biking, cooking and spending time with her dogs.

Carrie Giacobone
Account Manager at Professional Concepts Insurance Agency

Carrie brings her 30+ years of insurance experience to PCIA. She began her insurance career at the age of 17 as a co-op student and continued her education first by obtaining her Property and Casualty Insurance License and then training to provide daily insurance services to an assigned group of commercial clients.

Her career experiences encompasses insurance sales, claims handling, account management and advising clients on the details of their insurance coverage. She has specialized in Professional Liability Insurance for the past 10 years. An expert in professional liability coverage, Carrie enjoys working with clients in tailoring their insurance to meet their needs. She continues to educate herself in the ever changing industry of insurance.

Carrie enjoys traveling, tennis, golf, water skiing, jet skiing and scuba diving. She especially enjoys doing these activities with her 2 sons and her husband Mike of 23 years.

Kelly Komendera
Account Manager at Professional Concepts Insurance Agency

Kelly Komendera, an Account Manager with PCIA, is an experienced, enthusiastic, and attentive insurance professional who works collaboratively with PCIA’s Design Professional clients. Kelly is professional, yet genuinely personable and motivated. She truly enjoys making connections and applying her knowledge and experience to support her clients and her team.

Kelly maintains a Property & Casualty and a Life & Health license with the State of Michigan.

In her spare time, Kelly enjoys staying active, spending time outdoors with her two dogs, traveling and spending time with friends and family.

Kathryn Lance
Account Manager at Professional Concepts Insurance Agency

Kathryn Lance has returned to PCIA as an Account Manager after working in the mortgage industry for several years. Kathryn graduated from Eastern Michigan University in 1995 with a Psychology major and minor in communications.

Kathryn provides Account client services for many of PCIA’s Design Professional Clients. She is a licensed Property and Casualty Insurance agent with the State of Michigan.

Outside the office, Kathryn enjoys spending time with her extended family, reading, boating, skiing, snowmobiling and watching her 15-year-old daughter play softball.

Sharene K. Graham
Account Administrator at Professional Concepts Insurance Agency

Sharene Graham provides office administration and customer service for PCIA’s staff and clients.

Sharene began her career in Los Angeles, CA in the entertainment industry. During her tenure in California, she earned Miss Hollywood California. She became an actress and spokesperson for the television and motion picture industry. After a few years in the entertainment industry, she and her husband relocated to Michigan to start a family. While remaining home with her children during their younger years, she attended college and received an Associates Degree in Business Administration.

Sharene enjoys spending time with her family, traveling and cooking and in her spare time, she helps with children's’ charities.

Professional Concepts Insurance Agency

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