Understanding Our Process

 As an independent agency, L&W is your access point to various company and policy options. If at any point, a change in coverage or company is needed, our promise is that our process is always working for you.


The most crucial step is our ability to take time, utilize resources and learn about your business, your background, your assets, your exposures; so that we can develop a full scope understanding of how we can best meet your needs.


We lean on our expertise and experience to analyze client needs against the coverage options available through our various carriers. Our goal is always to find YOU the right fit for coverage, cost and consistency. 


With detail oriented precision, our team will work with carriers & underwriters to ensure the process of finalizing forms and issuing coverage is concise and accurate.



Once policies are in place, our work is just beginning. We are now your partner. And with any great relationship, communication is key. We remain transparent and available for any question, renewal review, claim concern, policy change or clarifying discussion

How can L&W Insurance help you?

“We went from a disatrous self funded insurance plan to a fully funded plan that worked for all employees.”