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Our Aitkin Office 

Our Aitkin Office was established in 2008 when Mike Anderson started the agency. Since then we have grown to where we are today with an amazing team. Please meet our team members below! 
Left to right: Nikki, Kitty, Sheila and Tom 

Nikki Nicko - Agent/CSR

Nikki started with Pine Insurance in 2016. She excels in personal lines but rounds out her experience in commercial lines as well. She loves helping her customers with all their insurance needs and she also helps service all the resort and campground policies that come through our Aitkin office. She is upbeat and always smiling while greeting her clients whether on the phone or in office. She goes the extra mile for her customers always providing excellent customer service and making sure they are protected. 

She is an Aitkin native graduating from Aitkin High School. In her spare time, she loves spending time with her husband, their son and friends. Summer months get a little crazy for them as they live on a beef farm and her son shows cows at the county fair! 


Tom Kuppich - Agent

Tom has been in the insurance business since 2000 when he started with McGregor Insurance Agency. He writes all lines of insurance and likes meeting new clients, getting to know them and their families so he can offer the right protection at a rate they can afford. He's always willing to answer any questions his clients have to make sure they are knowledgeable on the policy and coverage they have in place. 

In Tom's spare time he enjoys spending time with his wife and 3 kids, golfing and watching Gopher sports as he is a graduate from the University of Minnesota himself. 

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Sheila Penoyer - Receptionist/CSR

Sheila started with Pine Insurance in 2012. She is the smiling face when you walk in the door and the friendly voice when you call into the Agency. She brought years of customer service experience with her and has continued on when she started working for Pine Insurance as CSR. She loves helping all of our customers with questions, payments, claims and tries to go the extra mile by providing excellent customer service. If she doesn't have an answer for you, she will always make sure she finds one! She just loves making people happy, and strives to do this every day!

Sheila and her husband Doug have been customers of  Pine Insurance since 2000, when they moved up to Mille Lacs Lake and purchased Barnacles Resort. In her spare time Sheila loves spending time with her husband Doug, their three daughters and 6 Grandchildren.  She is also very involved with her church as the Choir Director and a member of the Praise Team.  Sheila & Doug love riding motorcycle in the summer and snowmobiles in the winter, and of course spoiling the Grandkids!

Kitty Reynolds - CSR/Agent

Kitty started with Pine Insurance Agency in 2022. Recently licensed in the insurance industry, Kitty is looking forward to helping people identify the insurance options they have, explaining just what insurance means to them and how it protects them.  She is an outgoing people person and looks forward to knowing her customers, building long-term relationships with each of them and greeting them by name!   


In her spare time, she is a Special Olympics volunteer, a school bus driver and an avid fisherman.  She grew up on the great lakes with a fishing pole in hand.  She enjoys watching the sunset no matter how many mosquitos are attacking her and warm campfires staring up at the stars.  She is always thankful for all the good Lord has provided.

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