Steve joined Lutgert Insurance as a commercial sales executive in 1988. He is a licensed Property, Casualty, Life and Health agent. Steve has lived in Naples since 1979, where he resides with his wife and two children. Before joining Lutgert Insurance, Steve worked in the hospitality industry in both upstate New York and Naples, Florida. His background has been a contributing factor in developing relationships with national program managers that specialize in writing insurance for the hospitality industry. Steve is responsible for setting up the Lutgert Insurance Hospitality Division that has realized tremendous growth and success in placing insurance coverage for hotels, country clubs, and restaurants. Steve has been elected to serve on the Board of Directors of the Florida Restaurant Association, Collier County Chapter. He was instrumental in setting up the FRA scholarship program that rewards local students, who wish to further their education and careers in the hospitality industry. Steve previously served as a Board Member for the Tourism Alliance Council of Collier County. He is a member of the National Honor Society and attended St. John Fisher College in Rochester, New York.