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Commercial Lines

Lutgert Insurance has provided the business community of Southwest Florida with reliable service and professional consultation in all areas of commercial insurance since 1953. Part of our superior customer service includes professional loss control and claim management. The company’s reputation for integrity, professionalism and service has set a new standard for the industry. Our representatives will be pleased to provide a complimentary, personalized assessment of your insurance portfolio.

Which kind of business are you?

Businesses grow and mature at different rates and the insurance requirements vary at each stage. Where are you on the business growth scale?

New Business- Most new businesses are very price oriented and primarily want to obtain the minimum insurance required to satisfy lenders, suppliers, regulators and businesses with whom they work. As agents, we understand this phase well and can show you, not just what you need, but ways to conserve resources and spend your hard won capital most efficiently.

Growth Phase- The next phase of business development is often a period of rapid growth. This is the time when open communication is vital, as your operations may expand into other areas not initially envisioned or simply explode from a sales standpoint. Keeping your agent informed of these changes is critical, not just to insure that coverages keep pace with the operations, but to insure that a large audit is not encountered at the end of the policy period. True risk management balanced with cash flow are the keys to navigating periods of high growth.

Mature Phase- This is when coverages are frequently expanded and the focus is less on obtaining the lowest premiums and more on truly protecting the assets that have been acquired over the life of the business. Utilization of great companies, greater desire for more comprehensive protection and even planning for the ultimate sale or divestiture of the business are often part of this phase.

The professionals at Lutgert Insurance pride themselves on the ability to understand you and the individual needs of your business; only providing those coverages that are right for you at any given time in your business life. We are available to review your existing insurance program and make recommendations at any time.

Here are just a few of the Commercial Lines companies Lutgert Insurance represents:

  • ACE
  • AIG
  • Auto-Owners Insurance
  • American Strategic Insurance
  • Banker Insurance Group
  • Bridgefield Casualty Insurance Company
  • Chub
  • CNA
  • FCCI Insurance Group
  • The Hartford
  • Liberty Mutual Insurance
  • Montgomery Insurance
  • Philadelphia Insurance Companies
  • The Main Street America Group
  • Tower Hill Insurance
  • Travelers
  • The Zenith
  • Zurich