Commercial Insurance

 With such a diverse business community and so many possible risks to plan for, L&W is proud to have strategically contracted with national, regional and specialty lines insurance carriers to provide robust and reliable options for your business’s protection. 



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Property Insurance covers the risk of commercial property loss including buildings, equipment, furniture, fixtures, inventories, records, supplies and other physical items.

General Liability


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Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Business Auto


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Business Auto coverage insures all types of vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships.

Workers Compensation


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Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment.

Commercial Umbrella


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Umbrella coverage provides an extra layer of liability protection, paying covered costs over and beyond the limits of your existing policies.



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From food trucks to restaurant franchises, hotels to bars we are here to protect your business from elements of physical damage as well as leisure liabilities.

Condo & Homeowner


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Big or small, coastal or inland, we will help protect your community so that when things do go wrong, you can still talk to your neighbors.



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Community success is directly linked to the health of local education institutions. We will help protect our schools so that progress thrives.



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You are doing good work, living out a mission for a better tomorrow. We will help ensure your operations are protected while you make a difference.

Commercial Flood


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Whether its through FEMA or a private carrier, we will work to protect your property, contents, and assets from flooding.

Data Breach & Cyber

Liability Insurance

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Whether the breach is accidental or intentional, privacy breaches can occur from unauthorized access, the physical taking and mysterious disappearance of personal information and can be detrimental if not protected against.



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We want to help you avoid being left holding the bag after it rains on your parade — or after someone breaks a leg dancing to “We Are Family” at the wedding.


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We are able to procure a wide variety of bonds, all which provide an additional layer of protection in the event certain contract conditions are or are not met.


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Are a formalized type of self-insurance involving the assumption of a large deductible and funding financial losses that you incur.

Other Specialties

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We have a host of additional coverages we can provide to meet your specialized needs.  

Our passion is protecting what matters most to you