Mr. Roth joined Lutgert Insurance in 2004, and brings over 10 years of risk management experience in both public and private sectors. He currently assists clients in developing comprehensive and proven risk management approaches to municipality loss exposures. Prior to joining Lutgert Insurance, Jay acted as Director of Risk Management for an insurance brokerage and specialized in municipalities. Within this capacity, he constructed cost effective insurance programs for municipalities and designed customized risk management plans, techniques, training programs and progress benchmarks to address each client's unique loss exposures. Jay began his career in risk management and loss control in Florida's agriculture industry soon after obtaining his Bachelors of Science degree in Microbiology and Cell Science from the University of Florida. As a result of the significant loss exposures inherent in agriculture, Jay quickly gained extensive training and experience in a variety of technical disciplines including regulatory compliance, hazardous materials, employee safety training, emergency response, incident investigation, and claims administration. Jay continued to build his experience in risk management and loss control as Risk Manager for a staffing service in southeast Florida. Working in partnership with both public entities and private companies, he developed practical solutions to assist clients in reducing employee injuries and claim costs, damage to assets, and employer's ultimate cost of risk. To better assist his clients, Jay obtained the Associate in Risk Management (ARM) designation in 1999, and continues to build his knowledge base as a member of the Risk and Insurance Management Society (RIMS) of southwest Florida.