Kristi Kulas CIC, CRM

Get to Know Kristi

Favorite Smell
Fresh dill in the summer
Book I Recommend
Anything by Jane Austen
Never Have I Ever
Driven a manual car
I’d Eat That
Pineapple on pizza
Favorite Game
Contract rummy
It Takes Me Back
Music from the 90s
Hidden Talent
Don't Laugh At My…
Horrible baking skills

Kristi Kulas is a client executive at M3 Insurance. Specializing in property and casualty insurance with a focus on manufacturing & distribution and food & agribusiness industries, she partners with her clients on the implementation of their risk management programs and ensures their insurance coverages continue to meet their changing needs.

  • Earned Bachelor of Science degree in business from Edgewood College
  • Interned for a year at M3 as an undergraduate
  • Joined M3 in 2006
    • First served as a support specialist
    • Promoted to account manager, 2008
    • Advanced to in the small market account executive, 2016
    • Transitioned to her current role, 2020


  • Wisconsin-licensed property and casualty agent
  • Certified Insurance Counselor (CIC)
  • Certified Risk Manager (CRM)
  • Hazard Analysis and Critical Control Points (HACCP) certified


  • Central Wisconsin Manufacturing Alliance (CWIMA), member and marketing committee member
  • Women in Manufacturing (WiM), member
  • The Neighbors’ Place, volunteer
  • Wisconsin Potato and Vegetable Growers Association, past associate division board member

Featured Author in Pulse: 2024 Property & Casualty Report

Welcome to Pulse, M3’s property & casualty report. Through the lens of rate and risk, we examine how the property & casualty market is affecting our clients across lines of coverage and industry sectors, and what risks we are predicting will be a focus throughout 2024.


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