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

I’m Barb Luczkowski, owner of Luczkowski Agency, proudly serving families and businesses in Chesterland, Ohio, and the surrounding communities. I grew up in Lorain/Elyria, Ohio, and earned my bachelor’s in business administration with a focus on marketing and international studies from Bowling Green State University. I furthered my education through the Goldman Sachs 10,000 Small Business Program at Tri-C and have been a Certified Financial Planner (CFP) since 2009.

I launched my agency in 1991, initially focusing on personal lines insurance, and over time expanded into commercial lines and financial planning. Today, we help families, contractors, and small to medium-sized businesses including landscapers, plumbers, electricians, and restaurants navigate the often complex insurance landscape. My goal is to make insurance simple while ensuring clients have the proper coverage and strategies to protect what matters most.

I hold Property & Casualty, Life & Health, and Variable licenses in Ohio. Our agency balances roughly 60% family clients with 40% commercial clients, giving me the opportunity to hear countless stories and craft customized solutions for each unique situation.

What I enjoy most about my work is solving problems and finding the right coverage and financial solutions for our clients. Every day is different and every challenge is an opportunity to make a meaningful impact.

Outside of the office, I enjoy wine tasting with friends, traveling, scuba diving with my family including a dive with hammerhead sharks at 147 feet, and indulging in chocolate-covered cherries while watching Ancient Aliens. I also value camaraderie with our team, celebrating milestones, and volunteering with local organizations like Zelie’s Home, Women’s Safe, St. Anselm School, Toys for Tots, Tunnel to Towers, and Project Give.

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) 490-1172

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.

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

I’m Karen Martinkowski, and I have been proud to serve as a Medicare Specialist with Luczkowski Agency for over 10 years. I was born and raised in Willoughby, Ohio, and I earned my BA degree from Kent State University, followed by my Master’s and PhD from the University of Maryland.

I specialize in helping clients navigate Medicare options, making the process clear and approachable so they can make confident decisions about their coverage. Guiding people through their choices and ensuring they have the right plan for their needs is the part of my work I enjoy most.

When I’m not assisting clients, I love spending time in my garden and listening to local bands. I find that both hobbies give me a chance to relax, recharge, and enjoy the community I’ve called home for so many years.

(440) 729-4042

Christina Zaccarine

Executive Assistant

I’m Christina Zaccarine, Executive Assistant at Luczkowski Agency. I’ve spent the past 13 years in the insurance industry, focusing on Human Resources and Customer Service, and I love working with people and helping them navigate their needs. I thrive on multitasking and creating a smooth, efficient environment, making sure both clients and the team receive the support they deserve.

I grew up in Chesterland, Ohio, and have been married to my husband for over 27 years. Our son Alex is currently attending Kent State University. When I’m not working, I enjoy spending downtime at home with Netflix and practicing as a certified Level 3 Reiki Master, helping clients find calm and balance for their body, mind, and spirit.

Giving back is important to me, and I make annual contributions to a variety of charities while maintaining long-term involvement with the Christian Children’s Fund and Wounded Warriors. I also have a lifelong love of the theater, performing throughout my school and college years, which earned me a scholarship to Ohio Wesleyan University and led to professional opportunities. I bring the same dedication and passion to my work, ensuring clients receive attentive and thoughtful support every day.

(440) 561-0074

Marney Gorman

Office Manager

Hi, I’m Marney Gorman, and I’m the Office Manager at Luczkowski Insurance. I recently joined the agency, bringing with me 15 years of experience in the insurance industry. I live right next door in Willoughby Hills with my two children, Lucy and Quinn, when they’re not away at school. I enjoy traveling, biking, hiking, and spending time with friends and family.

(440) 729-4042

Gail Greenwell

CRM Manager

I grew up in Euclid, Ohio, but have resided in Chesterland for the last 20+ years with my husband. I have 14 years of experience in the medical insurance industry, with customer service being my #1 priority.

If I can make transitioning an easier process for clients, then my job has been successful. Helping my clients is the best part of coming to work every day!

I enjoy traveling as much as I can. I have a bucket list of places to visit still. I have traveled by planes, trains, and automobiles… plus a few cruises. I also enjoy baking in my spare time, as I spent my younger years as a cake decorator.

When not working, I love spending time with my granddaughter, Annabelle, and with family and friends. Summer brings many pool parties and BBQs.

(440) 729-4042

Leigh Clements

Agency Assistant Manager

I recently joined Luczkowski Insurance, bringing experience in medical sales and a strong dedication to community service. I live in Shaker Heights with my husband, Jeff, and we’ve been married for 25 years. We’re proud parents to our two children, Eleanor and Towner.

In my free time, I enjoy cooking, entertaining, traveling, and spending time with loved ones. I’m committed to providing exceptional customer service and making sure every client feels valued. I’ve also been a member of The Junior League of Cleveland for 25 years, where I’ve built lasting friendships and strengthened my passion for giving back.

(440) 729-4042

Ashlyn Naglich

Customer Service Representative

My name is Ashlyn Naglich, and I am a Customer Service Representative at Luczkowski Insurance Agency, proudly serving clients in Chesterland, Chagrin Falls, and surrounding Northeast Ohio communities. I was born in Munson, Ohio, spent my early childhood in Painesville, and have called Chesterland, Ohio home since first grade. I graduated from West Geauga, and living close to work allows me to stay connected to my family, friends, and the community I know so well.

This is my first role in the insurance industry, and I am excited to be learning the fundamentals of insurance while building a strong foundation in customer service within an office environment. I have always worked in customer-facing roles, and helping people has consistently been my favorite part of every job I’ve had.

What I enjoy most about my work is being part of a team that is kind, respectful, and supportive. I love learning new things, taking on challenges, and doing my best to grow in my role every day. I have worked in the Chesterland area since I was about 14 years old and currently also work in Chagrin Falls, which has helped me build strong connections throughout the local community.

Outside of work, I value spending time with my sisters whenever we can get together, whether that means ice skating, bowling, or going out to dinner. I also take weekly piano lessons, which I really enjoy, and while it’s mostly just for me, I also love to sing in my free time.

(440) 729-4042