About Us
Professional Risk, formerly known as Rich & Cartmill Insurance of Colorado, LLC, was formed in 2004 to be a respected client representative in the insurance marketplace. In April of 2018 Rich & Cartmill Insurance of Colorado, LLC partnered with the Alera Group which resulted in the new name, Professional Risk. This allowed us to provide the opportunity to operate with the benefits of a national broker but is also personal to Colorado's clientele and needs.
The short term and long-term goal of Professional Risk is to be recognized by its Clients, Carriers, Employees, Peers and Colleagues as the premier provider of insurance products and services in the region and nationally.
Meet Our Team
Mike Schmitt
Executive Vice President & Managing Partner
Mike is the founding member, current Executive Vice President and Managing Partner of Professional Risk an Alera Group Agency, LLC. Previously, Mike also started Rich & Cartmill Insurance of Colorado, LLC. which was merged in to Professional Risk in April 1, 2018. Mike's roots in the professional insurance space date even further back to 2004 where he represented another well-respected regional insurance agency in Northern Colorado. During Mike’s tenure with this agency, he was successful at building relationships with clients and insurance carriers.
This ultimately provided him the opportunity to be the holder of many sales records within the agency, to be offered and accept a partnership in the agency and recipient of several insurance company awards including, Producer of the Year. Mike was raised in Longmont, Colorado and received his Bachelor of Science in Economics from Colorado State University and further went to receive his Certified Insurance Counselor (CIC) designation in October 1998 from the National Alliance for Insurance Education and Research. Mike has been involved in numerous community and professional organizations including holding several Board positions with different companies and philanthropic organizations. You can depend on him.
Bob Sullivan
Associate
Bob is a third generation insurance and risk management professional, he is the main contact for our Tulsa office.
Bob began as an underwriter with the Hanover Insurance Group in 2007, then moved into a sales and advisory role as a producer in 2010. His book of business includes non-profit organizations, energy, manufacturing, construction, retail, healthcare, and senior living businesses. Bob received a bachelor of science degree from Oklahoma State University majoring in Finance and Accounting. He is a Chartered Property Casualty Underwriter CPCU, Certified Insurance Counselor CIC, and Certified Risk Manager CRM. Bob has served on the Board of Directors and as President of MODUS, Crossroads Clubhouse, Youth Services of Tulsa, and Youth at Heart, and as a trustee of Calvary Baptist Church Inola. Bob enjoys golf, Crossfit, and weightlifting, but most of all, he enjoys spending time with his wife Jennifer, son Robert (call him Sulley), and daughter Linley. You can depend on him.
Jennifer Hunter
Account Manager- CISR
Jen began her insurance carrier in April of 2012. Prior to entering the insurance business, she spent 13 years as a bookkeeper/controller at a busy HVAC contractor. Jen partners with clients, carriers, producers, and co-workers to help grow business, both for the agency, and the client. She firmly believes that her work is important, because clients trust us with their most precious assets. Jen is dedicated to helping others and prioritizes her values of inclusivity and equity. She believes, by doing so, she not only contributes positively to her community but also fosters an environment where everyone feels valued and respected. Inclusive and equitable actions can lead to stronger relationships, increased cooperation, and a more cohesive society overall. Jen has experience in all sized accounts, large and small. Yearly continuing education helps to keep her at the forefront of industry trends and needs.
Jen enjoys attending local festivals, events, concerts, camping, and reading when time allows. Jen is involved in local philanthropic projects and organizations and donates her time when she can. Her teenaged son, daughter, and grandkids, keep her busy A native of Northern Colorado, Jen and her partner Ian reside in Windsor with their family, and 4 dogs. You can Depend on her.
Dionne Perez
Account Manager
Dionne began her insurance career in 1985 and joined the agency in August 2007. Dionne brings several years of Personal Lines and customer service experience. She takes pride in assisting clients with their insurance needs and is dedicated to helping those around her. A native of Colorado, Dionne enjoys camping, reading and time with her husband, two boys, their fur baby, Teala, and her extended family. You can depend on her.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Collaborative Conversations: 2025 - What to Expect and What You Need to Know
Save the date for a conversation in September where we will discuss the impending PLO changes by BOLI and the Employment Department, their impacts, and other critical considerations.
September 12, 2024 at 08:30 am PT | Virtual
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Employee Benefits
Is Tech-Enabled Brokerage Right for You?
Our experts will lay out what tech-enabled brokerage is, how it works and why it makes sense for the right organizations.
September 19, 2024 at 01:00 pm CT | Virtual
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Employee Benefits
Meeting the Needs of an Aging Workforce
Our experts will provide tips and insights about how to incorporate Medicare, menopause benefits, retirement, communications best practices and other hot topics for older workers into your program successfully and without breaking the bank.
October 17, 2024 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Property and Casualty
Workers’ Compensation: Stable market with emerging challenges from mental health claims
Despite pressure from medical inflation, increases in fee schedules on medical procedures and wage inflation affecting premiums and benefits, Workers’ Compensation remains a stable and profitable line for insurers. This stability allows buyers favorable conditions, such as ample capacity and stable rates. However, a new trend is emerging: the inclusion of mental health claims as compensable workers’ compensation.
August 28, 2024
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Property and Casualty
Relief from the high cost of wind/hail insurance
Commercial real estate (CRE) owners must ensure they are adequately covered, but many face high wind/hail deductibles when renewing their Property Insurance policies. This is where Wind/Hail Deductible Buyback insurance policies come in, providing a solution that meets lender requirements and offers peace of mind during turbulent times.
August 22, 2024
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Diverging Outlook on Manufacturing Insurance
The manufacturing industry continues to face a complex insurance landscape in 2024, with some areas showing signs of stability while others remain more challenging.
August 7, 2024
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The Importance of P&C Insurance in Physician Group Acquisitions
Risks involving patients as well as practicing physicians make it imperative that groups positioning themselves for acquisition fortify themselves with a program of robust risk management and customized property and casualty (P&C) insurance.
July 29, 2024
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