Our Process
A More Personalized Approach to Insurance
LBW Insurance and Financial Services have been advising businesses and individuals since 1922. We are built on the principles of providing superior customer service and quality solutions for our customers. Each plan is custom-tailored to fit your needs, goals, and desires.
Our One Agent Approach
As an independent agent, we work not only as our client’s advisor but also as their representative and advocate to the insurance marketplace. This means we take the time to truly understand our clients and their situation. After that, we collect and package all of the relevant information needed to present them to our entire roster of partner carriers.
As the client’s sole representative to the marketplace, LBW is able to obtain all offers of coverage and compare them side by side. Only by controlling the entire marketplace can we negotiate the very best solution. This means going back to the two or three most competitive carriers to reduce premiums, increase limits, remove exclusions, or otherwise improve the offering.
This strategy is our One Agent Approach and it is the only way we engage with our clients. Without the ability to act as the sole agent in the insurance arena, LBW is unable to do a complete survey of all the offerings available. And that’s simply not the LBW way.
Our White Glove Assessment
Once we have control of a client’s business risk situation, we move into a second phase of the LBW risk management process. This is specifically for business owners and C-suite executives. The goal of the White Glove Assessment is to shore up personal vulnerabilities the business creates for the owner’s home, family, and way of life. It includes an analysis of current home, auto, life, and other policies. LBW’s White Glove team provides feedback and recommendations regarding gaps in coverage, appropriate limits, and other risk strategies. With the White Glove process, we seek congruency between the protection we provide for the business and the protection provided to the individuals who make it thrive.
