How do I use Powerclip to insert/edit a JPG image within an object or frame that is empty inside?

I've created a frame but its essentially empty in the middle.  The frame is not a simple rectangle, it is thick and has a fill in it.  Think of it as two boxes, one smaller than the other, they are combined or welded together... and then a fill is applied between the inner and outer boxes.  So when I try to Powerclip an image _inside_ the frame, I get the pop up telling me the object I've selected is invalid.  I know I'm probably missing something simple here LOL.

Mike