Joe joined Lutgert Insurance in 1998 as an account executive, specializing in Workers' Compensation, Property/Casualty and the specific needs of Condominium Associations. He addressed the Work Comp National Convention; the 2014 69 th Annual Work Comp Educational Conference on the topic of “The Agent’s Role in WC Claims Management”. Since then, his work as a Certified Work Comp Advisor has found him in great demand as a speaker on the topics that directly affect Experience Mod rates for all Florida employers. His Work Comp Claims Management System has been hugely successful in lowering WC premiums for employers of all sizes throughout Florida. Joe is a 1993 graduate of the Leadership Collier Program and is a co-founder and trustee of the Winged Foot Scholarship Foundation.