Meet our team!

We are committed to offering you the OBJECTIVITY of experts and the WARMTH of caring professionals. Our Mission is to ensure you enjoy the kind of peace of mind that changes lives.

Barb Luczkowski

Agency Owner/President

Barb has been married to her husband, Ron, for over 20 years now. They’ve raised two beautiful 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, Chagrin Valley Chamber of Commerce, and  JCU EA .

Barb enjoys volunteering for various activities at St. Anselm Church and supports various charities such as Zelie’s Home,  Women Safe, and local hunger task forces. When Barb is not helping others she finds the time to try new recipes on her family.  Who would have known; In  1995, Barb was  Certified as a Scuba Diver and has been as deep as 147 ft in search of hammerhead sharks.

It’s important to note:  when it comes to business, Barb would like her clients to know that she and her associates’ interest is always her clients’ best interest!

Key Info

  • Licensed in: KY, OH
  • Professional designations: CFP
  • Education: BS in BA Bowling Green State University
  • Agent Qualifications: CFP
  • Awards: Champion Award
  • Community activities: St. Anselm School, Parish West Geauga High School, Toys for Tots NDCL Parent Ambassador
(440) 729-4042

Kim Coneglio

Agency Manager/Senior Account Manager

Kim joined the agency in January 2018 with 20+ years of prior experience. Kim resides in Chesterland with her son Joey who attends West G high school and his sports involvement in football and skiing keeps her busy. When she’s not busy with her son’s sports, she enjoys playing a good game of bingo and relaxing on her patio with family and friends.

(440) 729-4042

Joyce Santore

Project Manager

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 on 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 agency’s 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.

(440) 729-4042

Carol Koches

Agency Support

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 on 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 a 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

(440) 729-4042

Carlee Duggan

Marketing Specialist

I grew up in Newbury, OH! I have been fortunate enough to be surrounded by Insurance my entire life. My passion lies in being creative and helping others reach their creative potential. From creating graphics to websites and updating Linkedin profiles, I love to learn how to incorporate new things.

Outside of work I love to make candles, I enjoy coffee and going for runs! You can also probably find me shopping on weekends.  A fun fact about me is that I make a mean Vodka Soda!

A non-profit that I am passionate about raising awareness about is Zelie’s House. It is an organization that empowers pregnant and parenting women to take positive and effective action on behalf of themselves and their children by providing physical, emotional, spiritual, and professional support.

Olivia Duggan

Community Development

I grew up in Newbury, OH! I graduated from John Carroll University in 2021 with majors in Biology and Spanish! I feel as though I was born into the Insurance industry because my Mom is the Agency Principal. What excites me most about my work is that I can help with the agency’s involvement in our community. Outside of work; I am an avid reader and read at least 1 book per week. I also love to try new recipes with my family and friends!

On weekends; I am typically with family & friends when my work/studies are caught up. Road trips if an option as well. I volunteer with many activities as part of the agency as well as JCU. The most notable are Women’s Safe, Zelie’s Home, Feed the Homeless. There have been others over the years but our agency has been putting in putting more emphasis on the 3 mentioned.

Annette Scavone

Account Manager

I grew up in lovely Lakewood, Ohio, and after obtaining a Chemical Engineering degree at Case Western Reserve University, I headed out to seek out many fun things…

My experience in the insurance industry includes a brief time with a life and securities company. I’m so glad to have transitioned into Property and Casualty because it’s more interesting!  I love delving into all aspects of what a client might need. I have a way of turning everything into an engineering project!

Outside of work; I enjoy spending time with my husband and dog, and working on completely renovating the house we bought in the country — and when I say completely, I mean absolutely everything! A guilty pleasure of mine is that I could read for hours. With chocolate. And the dog…

My favorite way to spend the weekend is kicking back by a fire, outside if it’s warm or inside when it’s cold.

Ron Duggan

Maintenance Dude

I grew up in Novelty, OH. I am a graduate of West G HS. I am a horticulturist most days and maintenance on the weekends as needed for Luczkowski Agency!

I’ve learned all things insurance by osmosis as Barb is my spouse of 20+ yrs! I am always glad to make any contribution I can because as you know, happy wife, happy life! When I’m not working you can catch me scuba diving, vacationing, playing volley ball with family and friends or just relaxing.  A fun fact about me is that I dove with Jean-Michel Cousteau in Figi!

Karen Martinkowski

Medicare Specialist

Karen was born and raised in Willoughby and attended Kent State University for her BA degree and the University of Maryland for her Master’s and PHD. She’s been with the agency for over 10 years and in her free time, she enjoys gardening and listening to local bands

(440) 729-4042

Christina Zaccarine

Executives Assistant

Christina has been married to her husband for over 27 years.  She has worked in the insurance world for 13 years. Her main focus was always on Human Resources and Customer Service. She grew up in Chesterland. She loves working with people and helping them! She loves assisting others and accomplishing lots of tasks. Multi-tasking and facilitating a smooth operating environment is where she is best at.

When Christina is not working she loves being at home with her husband and having some downtime with Netflix. Her son Alex is currently in school at Kent State University.

She makes contributions annually to a variety of charities. She also has been a member of the Christian Children’s Fund and Wounded Warriors for many years. In her off time, she is a certified level 3 Reiki Master practitioner. She loves helping her clients achieve calm and assisting them in their healing process for body, mind, and spirit. She spent a lot of time in the theater throughout her elementary, high school, and college years. She was blessed with success, which lead to a college scholarship to Ohio Wesleyan University and some professional work throughout the years.