Meet Our Team
Barb Luczkowski is the Principal Agent and Owner of Luczkowski Agency Insurance and Financial Services. She has been serving the insurance industry since 1991. She specializes in helping Residential and Commercial clients strategize to best position themselves to maximize the right coverage at the best pricing. Her favorite part of her career has been all of it. She enjoys listening to clients stories, and helping them file a claim when they need her most. She also enjoys explaining coverages, working with new clients to better position them and giving them an equal or better value than they had before.
Barb has been married to her husband, Ron, for over 20 years now. Together they share two daughters. When Barb is not in the office she enjoys spending time with her family and friends. She also participates in many professional groups such as, BNI, BRN, Muldoon Partners, and WIN. Barb also volunteers for various activities at St. Anselm Church. When Barb, is not giving back she finds the time to try new recipes and she became a Certified Scuba Diver. She would like everyone to know that her only interest is her client’s best interest.
Joyce Santore serves Luczkowski Agency Insurance and Financial Services as the office manager and associate agent. She has been working within the industry for over 19 years now. She has a strong focus for many personal insurance policies such as, Home, Auto, Rental Property, Boats, ATV, and Motorcycle Insurance. Joyce also specializes in Business Insurance, specifically bonds and COI’s. Her favorite part of her career has been listening to the agencies current clients and potential clients to develop strategies to best position them.
Joyce has been married for over 41 years. They share two children and three grandchildren. When she is not in the office she enjoys time with family and friends. Lastly, she loves to golf, find antiques, and repurpose her findings.
Beverly Esposito is an Agent for Luczkowski Agency Insurance and Financial Services. She has been working within the industry for over five years. She has acquired specializations for Auto, Home, Life, and Health Insurance. Her favorite part of her career has been helping clients.
Michelle Bear is an Associate Agent for Luczkowski Agency Insurance and Financial Services. She has been working within the insurance industry for over 27 years and has spent one year as an agent. Michelle has a dedicated focus for Auto, Home, Renters, Tenants, and Business Insurance. Throughout her career her favorite part has been helping people and saving them money.
Michelle has three nephews, four nieces, one great nephew, three great nieces and another great niece or nephew on the way! When she is not in the office she loves spending time with her friends and family. She also loves to get outdoors and to work with her hobbies. Lastly, Michelle loves music, her favorite time of year is fall, her favorite holiday is Halloween, she loves the ocean, and she also loves beach sunsets.
Karen Martinkowski is the Personal Lines Account Manager for Luczkowski Agency Insurance and Financial Services. She has been involved with the insurance industry since January 2010. Karen specializes in consulting with seniors on Medicare benefits and drug plans. Her favorite part of her career has been that every household is different and that she has the opportunity to learn new things every week. In Karen’s spare time she like to dance, garden, read, and visit local wineries.
Carol Koches is the office assistant for Luczkowski Agency Insurance and Financial Services. She has been working within the insurance industry for over 16 years now. She has a strong focus for customer support and client contact for reviews. Her favorite part of her career has been listing to each client’s unique story and that they are able to help them to be secure and safe with nationwide.
Carol has a son and daughter-in-law. When she is not in the office she enjoys volunteering for several charitable organizations primarily US military veterans and especially women veterans. Lastly, Carol, has been an active member of the Eastside Irish American Club for over 10 years.