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Client Testimonials

"Professional Concepts Insurance Agency has represented Spalding DeDecker Associates as our insurance agent since 1988. In that capacity, they have been a trusted partner in helping us manage our risk, obtain quality, affordable insurance coverage (both General and Professional) and provide invaluable assistance in dealing with and resolving claims. They also have an excellent program for educating our staff on the various issues of risk management, which helps us significantly limit our exposure.

Kim Fricke’s and Mike Cosgrove’s dedication to the business are evident in their everyday actions, and they and their staff are always prompt in responding to our needs and requests. We are happy to have PCIA as our insurance agent and would definitely recommend them to others."

- Tom Sovel, PE, Vice President Land Development Department
Spalding DeDecker Associates, Inc.

"Mike Cosgrove and his team at PCIA have been serving our business insurance needs for as long as I have been a part of the senior leadership team at Harley Ellis Devereaux. During this time, PCIA has provided exceptional service and value to our organization. They have been diligent in communicating insurance options to us, helping us to manage costs, assisting us in resolving issues quickly and proactively training our staff in an effort to avoid issues altogether. We are a service organization and as such, recognize others who, like us, are customer focused and committed to great service. PCIA is such an organization. It has been a pleasure working with them, and I would recommend them to anyone looking for a business insurance partner."

- Michael Cooper, Managing Principal
Harley Ellis Devereaux

"Mike Cosgrove and his staff have always been a top notch organization in which to do business with. PCIA regularly supports ACEC programs through financial sponsorships, and they contribute their talent, knowledge and physical presence as speakers and participants in ACEC events. Mike was a member of the Engineering Excellence Committee for 13 years, and chaired the committee for several years where he took the committee and program to new levels. Mike is a true leader and has generously given many hours of his time to ACEC and the engineering community.

PCIA has also served as an insurance/liability expert on behalf of ACEC over the years and testified in the legislature on various issues. They are always willing to promote and assist the engineering community."

- Ronald Brenke, PE, Executive Director
ACEC of Michigan

"We have been working with PCIA as our professional insurance provider and advisor for many years now. We value our relationship with them. They have always been very prompt with their service and always very helpful. Their offer and service to review our proposed contract agreements and working with our clients on contractural insurance issues has been a helpful service to us. We are not in the insurance business and we get good advice from them.

We have been working directly with Mike Cosgrove, and we related with him well. I believe you will find working with PCIA a pleasure. We would recommend them."

- Donald R. Scherzer, President
Spicer Group, Inc.

"PCIA has become a trusted advisor to Commonwealth Associates, Inc., and has provided our insurance needs for the past 26 years. They know our operation and have provided sound advice concerning the type of insurance coverage we need. On several occasions, they provided advice on contract language to moderate our risk, and PCIA periodically conducts training sessions to improve risk management at our firm. We work with large entities and sometimes find it difficult to successfully negotiate contracts. There have been three instances when PCIA helped us locate legal counsel in the appropriate state who were able to quickly break the stalemate and allow a reasonable contract to be negotiated. We have also had two claims on XL, our professional liability insurance carrier. Both PCIA and XL handled the claims in a firm but delicate manner which preserved our client relationships. Overall, Commonwealth has been extremely pleased with PCIA and we would highly recommend PCIA."

- Dennis F. DeCosta, P.E., President
Commonwealth Associates, Inc.

"Our firm has used PCIA for its professional liability insurance needs for over 20 years. Over this time, we have gained considerable understanding of the need to review client contract language and the potential consequences some clauses can cause, particularly indemnification. Many times each year, we turn to PCIA for assistance in reviewing certain contracts to suggest wording changes that will help prevent us from agreeing to contract language that is not even insurable. Recently, our firm prepared a contract for a client with unusual circumstances to sign. PCIA reviewed it and offered many valuable suggestions for improvement. We appreciate having PCIA as a professional resource we can rely on for contract review."

- Rebecca L. Smits, PE, President, Managing Engineer
Inland Seas Engineering, Inc.

"It is my pleasure to recommend the insurance services of Professional Concepts Insurance Agency (PCIA). During the past seven years, we have worked directly with Mike Cosgrove and his team for our insurance needs. Mike runs his firm with integrity and skill. The company offers top-notch quality and service whether during the renewal phase or throughout the year as contract review or other insurance needs arise. Their turn-around time on contract review is exceptional.

Please consider PCIA for all your corporate insurance needs. I recommend them and look forward to our continued interaction with the PCIA team."

- Daniel J. Englehart, PE, President
Peter Basso Associates, Inc.

"PCIA has served our insurance agent for over 10 years. One of the services they provide us is contract review and negotiation assistance. Kim Fricke frequently assists us for these reviews. Kim’s many years of experience in the industry are very valuable to us. She thoroughly reviews contracts for unfavorable, uninsurable clauses. Additionally, she will suggest mutually agreeable replacement terms.

Kim’s response time always meets our schedule. Kim and the rest of the staff at PCIA have provided us with unmatched service and guidance on a variety of insurance topics."

- Carolyn R. Hunter, PS, President
BMJ Engineers & Surveyors, Inc.

"TowerPinkster has had the satisfaction of working with PCIA since 2001. It has been a pleasure to work with their talented and professional staff. The efficiency in which they work is amazing – you never have to wait for answers there is always someone there to walk you through every scenario you might face with regards to General and Professional Liability issues.

They also provide excellent educational opportunities. Annually, PCIA goes above and beyond to ensure we receive financial discounts with current carriers or shop better pricing when it comes to renewals.

I am pleased to recommend PCIA without hesitation."

- Arnold Mikon, FAIA, Chief Executive Officer/President
TowerPinkster

"PCIA has always been very supportive in helping Rowe with their insurance requirements. Not only are they very responsive in quickly obtaining required certs for clients, but over our long relationship helped educate our staff on the various lines of insurance along with the various nuances that go along with each type of insurance. During our relationship, they have helped Rowe develop an ongoing insurance plan, not only looking at the current year, but where we need to go into the future for updates in coverages for the business as it grows and changes. At the end of the day, PCIA always has been able to come up with solutions to Rowe’s insurance needs."

- Doug Kline, Controller
Rowe Professional Services Company

"PCIA has been OHM Advisors insurance broker since the early 2000s for both our General and Professional liability lines of coverage. Over that time, PCIA has demonstrated a commitment to both OHM Advisors and to the AEP industry. They are knowledgeable and understand the unique needs of our firm. They have helped us fine tune our coverage, including positioning us to maximize coverage and minimize costs. Just as in the AEP business, sometimes the first upfront cost is not where the savings come from, it is in things like the response after an incident, training and in being proactive by helping with contract reviews, and in some cases, negotiations for additional client-required insurance coverage.

PCIA has also helped us keep up on coverage during merger and acquisitions to protect both parties at reasonable cost."

- Daniel G. Fredendall, PE, Vice President
OHM Advisors

Professional Concepts Insurance Agency

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Professional Concepts Insurance Agency is licensed in
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1127 S. Old US Hwy 23, Brighton, MI 48114
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