Lutgert Insurance Personnel

Charity

Director of Construction/Surety, Account Executive
239-280-3253

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Charity joined Lutgert Insurance in 2006 as a Producer and Director of Construction handling both our Surety and Construction Departments.  She has over twenty-five years’ experience with surety, insurance and risk management. Over the last twenty years her focus has been mainly within the construction and real estate development industries. Her vast experience includes all facets of risk management including; safety/loss prevention, risk assessments/analysis, insurance & surety placement, specialty insurance programs and more.

Previously Charity was the Senior Risk Manager for WCI Communities, a publicly traded real estate developer, where she was responsible for the risk management, loss prevention, claims and surety departments.  Prior to WCI, Charity worked for Collier Enterprises as the Finance/Risk Manager responsible for treasury, finance and risk management.  

During her career she has negotiated and placed over $8 billion in builder’s risk/property coverage, over $1.9 billion in casualty programs and managed a large surety portfolio comprised of multiple surety companies with over $500 million in combined capacity. Her experience is extensive and includes managing small residential builders to large single family builders/developers, artisan contractors and a wide variety of commercial contractors. She also has significant risk & insurance management experience with high-rise condominiums, mixed-use developments, golf & country clubs, commercial properties and real estate property management.

Specialties:

  • Surety – Contract and Commercial
  • Builder’s Risk
  • Controlled Insurance Programs (wrap-ups)
  • Property & Casualty Insurance
  • Workers Compensation
  • General Risk Management – All Industries
  • Contract Requirement Reviews/Analysis

Charity is a frequent speaker on managing construction risks and teaches surety classes for a number of professional organizations and Lutgert Insurance clients. No matter what industry she is working with, her focus is to provide superior results through education. The advantage for a client to understand their risk and how to best transfer and/or mitigate those risks provide a positive impact to the bottom line. Charity has been an active supporter of the Risk & Insurance Management Society since 1995 and has served on the board of directors for both the local and state level for the Florida RIMS Conference, Inc. including Conference Chairman in 2000 and 2006. Charity keeps up with the surety and construction insurance industry, the laws that are changing our industry and attends frequent lectures and seminars through the American Society of General Contractors, International Risk Management Institute, National Association of Surety Bond Producers, Florida Surety Association, Risk & Insurance Management Society and other organizations.

Contact Charity at (239) 280-3253 or cmoser@lutgertinsurance.com for more information.

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