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
Lorraine Houck
Account Manager
Commercial lines account manager with a solid background in the insurance industry spanning decades. I began my insurance career in the mail/ file room before becoming a clerical support member, moving into agency accounting and the Home Builders insurance program. I began working as a commercial lines account manager in 1995 working with various types of risks but with a special emphasis on the senior living market. I love working at Professional Risk managing a commercial book of business that includes many of the same clients I began working with in 1995. Providing great customer service is very important to me and I believe building lasting relationships is key to that success. I enjoy getting to know my clients in order to understand their unique insurance needs and tailoring solutions to protect their businesses effectively.
I am a licensed insurance producer for Property & Casualty in the State of Oklahoma and as such I value continuing education. I am a member of The National Alliance, the Society of Certified Insurance Services and hold the CISR (Certified Insurance Service Representative) and the CIC (Certified Insurance Counselor) designations. Maintaining these designations requires ongoing professional development through continuing education courses, ensuring staying current with industry trends, regulations, and best practices.
While not at work, I enjoy spending my free time with my family. My husband and I have raised four children together and are now enjoying our time as Grandparents. I am a member of the Comanche Nation of Oklahoma and enjoy participating in native culture and traditions.
Misia Clevenhagen
Account Manager
Originally from Rochester, NY, in 1997, Misia Clevenhagen applied for a part-time assistance position with a local insurance agency while attending college for forensic pathology. That part-time position eventually became a full-time position and before she knew it, she changed careers and joined the insurance industry as an Account Manager for Personal Lines.
In 2003 after spending much time visiting friends in Tulsa, Oklahoma, Misia decided to make Oklahoma her home and received her Property & Casualty producer license for the State of Oklahoma. In 2020, Misia changed gears slightly and became a commercial lines account manager within the senior living market while maintaining a small personal lines book of business.
In her free time, she loves to travel, cook, and spend time with those she loves.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
HIPAA Privacy and Security Overview
Join our compliance experts for an overview of HIPAA’s Privacy and Security Rules. During this webinar, we'll review the different types of entities subject to HIPAA, take an in-depth look at protected health information (PHI), individual rights under HIPAA and what to do when there is a breach of PHI.
April 11, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Balancing Cost and Care: Could a Captive solution be the right fit for you?
In this session, our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.
April 17, 2025 at 01:00 pm CT | Virtual
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Wealth Services
State of the Markets
Join us as we unveil the factors that drive the nation's financial pulse and how they may impact your personal finances.
April 23, 2025 at 12:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Property and Casualty
5 Steps to a Lower Workers’ Compensation Mod
Understanding how your Workers' Compensation Insurance premium is calculated can help you manage costs more effectively. One of the primary factors in determining your premium is your experience modification factor — the number that reflects your company’s claims history and directly determines what you pay.
March 13, 2025
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Property and Casualty
It’s Here! — Alera Group’s Fifth Annual 'Property and Casualty Market Outlook'
Alera Group's "2025 Property and Casualty Market Outlook" is your guide to making informed decisions regarding your business and personal insurance coverage.
December 12, 2024
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Webinar Preview: ‘When Captive Insurance Makes Sense’
As healthcare costs — including those for pharmacy — have continued to skyrocket, the urgency to control healthcare and pharmacy spend has elevated as well, and Captives have surged in popularity. Alera Group's webinar on Captive Insurance will help you determine whether forming or joining a Captive is right for you.
November 7, 2024
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Property and Casualty
5 P&C Insurance Tips for Public Sector Entities
Public sector entities — including counties, cities, town villages, local law enforcement and special service districts — offer vital services to our communities. They also face growing challenges, some from the constituencies they serve, as they navigate heightened public scrutiny, shrinking budgets and inflation. In this challenging environment, having a comprehensive property and casualty (P&C) insurance program, supported by a strong risk management strategy, is more crucial than ever.
October 8, 2024
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