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
Property and Casualty
Unlocking Our 2026 P&C Market Outlook: High Level & Field Level Insights for Clients
Join EVP and Property and Casualty Practice Leader Justin Foa for an informative conversation on key findings and takeaways from Alera Group's annual flagship 2026 Property and Casualty Market Outlook Report.
January 20, 2026 at 01:00 pm CT | Virtual
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Employee Benefits
Foundations – Understanding the Multigenerational Workforce
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career planning strategies, review legal and compliance trends and provide actionable tools and resources.
January 21, 2026 at 10:00 am CT | Virtual
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Employee Benefits
The 2026 Market Reality: Why Costs Feel Uncontrollable — and Where Leaders Still Have Leverage
A clear map of where leaders can act in 2026 and how to prioritize decisions that move cost and outcomes.
January 22, 2026 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Property and Casualty
Are you prepared for 2026? Property and Casualty Trends Uncovered
The sixth annual Property and Casualty Market Outlook from Alera Group sets the stage for how organizations can recalibrate their risk strategies in 2026. Built on thousands of data points — including a nationwide survey of insurance company partners and wholesale intermediaries — this report delivers actionable insights for insurance buyers, risk managers and business leaders.
December 17, 2025
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Property and Casualty
Top 5 Insurance Surprises Businesses Face in Q4 — and How to Prevent Them
As year-end approaches, many organizations focus on closing out financials and planning for the year ahead. It’s also the time when insurance programs often reveal unexpected challenges, some avoidable, others the result of shifting market conditions or overlooked details.
October 30, 2025
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Alera Group’s 2025 Property and Casualty Market Update
Alera Group’s 2025 Property and Casualty Market Update, designed as a bridge between Alera Group’s annual Market Outlooks — provides insight into pricing, coverage availability, market capacity and underwriting trends for the balance of 2025.
August 1, 2025
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Severe Weather Is Getting Worse. Is Your Business Interruption Insurance Keeping Up?
The increasing frequency and severity of weather- and climate-related events such as catastrophic storms, floods and wildfires make business continuity planning more important than ever. Part of your plan should include reviewing your organization's Business Interruption Insurance coverage.
May 5, 2025
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