With a vast background in claim handling and management spanning from the early seventies, Ann Richard joined Lutgert Insurance as a Claim Manager in December 2000. She presently oversees both personal and commercial lines claims, working closely with the producers and their clients monitoring loss trends, reserves, litigated cases and subrogation reimbursement. Prior to joining Lutgert Insurance, Ann worked for major insurance carriers in the Northeast primarily in the claim department as an adjuster, supervisor and claim manager. During this time, she also assisted loss control and the home office, reporting on major claims and offering recommendations for future handling. Ann graduated from Westfield State College in Westfield, Massachusetts with a Bachelor of Science in Education and a minor in psychology. She taught school prior to entering the insurance industry where she continued to utilize her educational background in employee training and development. Ann holds a 440 license and has earned her CPSR designation.