Celebrating 60 years of insuring our clients’ trust
Headquartered in Naples, Florida since 1953, we employ over 85 insurance, risk management and estate planning professionals. Our advisors offer more than just a comprehensive array of insurance products – we offer total asset protection through customized solutions. We understand that safeguarding your assets requires specialized products and services. Our comprehensive approach to managing life’s risks is designed to minimize the threats to you and your family’s personal wealth and safety. How may we serve you?
Latest News From Lutgert
Cyber Risks & Liabilities - Monday, Mar 03, 2014
In late 2013, Target, the large American retailer, was the victim of a massive data breach that affected as many as 110 million customers. Cyber attackers installed malicious software on point-of-sale devices at Target stores and were able to steal the financial information of 40 million customers and the personal information of 70 million. From lawsuits and fines to the costs of offering free credit monitoring and hiring a computer forensics investigator, this breach is massive not only in terms of how many customers it’s affected, but also in terms of how much of a financial hit it will take on Target. Target’s cyber insurance policy will cover some of the monetary damages, but the damage to its reputation and customer loyalty will not be easy to recover. No business is immune to a data breach—not even a nationwide retailer like Target. But your business can survive a data breach if you are prepared to handle it and if you have the proper cyber liability coverage to help you successfully respond to it.
Indoor and Outdoor Christmas Lights Safety Tips - Thursday, Dec 12, 2013
The Underwriters’ Laboratories, or UL, inspects electric products made in the United States. If a product is proven to be safe from shock and fire, it becomes UL listed. When purchasing indoor or outdoor Christmas lights, you should make sure they are all UL listed and have the tags on the cord to prove it. If not, you could be in danger of shock or a fire.
Indoor Christmas lights will have a green UL listed tag, or a silver tag with the “UL” written in green. Outdoor Christmas lights will have the UL listed tag in red, or silver with red writing. Outdoor Christmas lights are also safe for indoor use. If you use indoor Christmas lights outdoors, they will not be as resistant to any moisture. Moisture could cause an electric short and your lights could be damaged. If an indoor light goes out, usually the rest of the lights will go out as well, making outdoor repairs difficult.