The Lutgert Insurance Blog

Arthur J. Gallagher & Co.

Rolling Meadows, IL, September 25, 2017 —Arthur J. Gallagher & Co. (NYSE: AJG) today announced the acquisition of Naples, Fla.-based Premier Insurance, LLC, dba Lutgert Insurance. Terms of the transaction were not disclosed.

Founded in 1953, Lutgert Insurance is a retail property/casualty broker and benefit consultant specializing in all areas of commercial and personal insurance, with a focus on construction, hospitality, real estate development/property managers and high-net-worth individuals. Bud Hornbeck, Steve Benza, Marc Williams and their associates will continue to operate from their offices in Naples, Ave Maria, Sarasota, Fort Myers and Marco Island, Florida under the direction of Peter Doyle, head of Gallagher’s Southeast retail property/casualty brokerage operations, and John Tournet, head of Gallagher’s Southeast employee benefits consulting and brokerage operations.

“Lutgert Insurance has an outstanding team of professionals who will contribute significantly to solidifying our geographic presence in Southwest Florida, as well as building out our private client practice in the state,” said J. Patrick Gallagher, Jr., Chairman, President and CEO. “I am very pleased to welcome Bud, Steve, Marc and their associates to our growing Gallagher family of professionals.”

Arthur J. Gallagher & Co., an international insurance brokerage and risk management services firm, is headquartered in Rolling Meadows, Illinois, has operations in 34 countries and offers client service capabilities in more than 150 countries around the world through a network of correspondent brokers and consultants.

Investors:  Ray Iardella                   
VP – Investor Relations
Media:  Linda J. Collins                         
VP – Corporate Communications

To keep food safe while cooking this summer:

  • Cooks should wash their hands often in warm soapy water for at least 20 seconds. A bottle of hand sanitizer can be used when soap and water are not readily available.
  • Scrub the grill, outdoor utensils, coolers and other containers with hot soapy water before use.
  • Use paper towels to clean up spills – reusing dishtowels can spread harmful bacteria.
  • Keep raw meat and ready-to-eat foods separate. Do not baste cooked meat with the same brush used to baste raw meat, and always boil marinade before using it to season cooked meat.
  • Use a thermometer to ensure food is cooked to its proper temperature. Steaks should be cooked to at least 145° F, hamburgers to 160° F and chicken to 165° F.
  • Refrigerate any leftovers promptly at 40° F. Do not allow food to sit out longer than one hour on extremely hot days.

Sourced from the National Safety Council


Heat stroke occurs when the body can’t regulate its core temperature and stops sweating, leaving it unable to rid itself of excess heat. It can lead to death, so heat stroke should be considered a medical emergency. Signs of heat stroke include fainting, confusion, seizures, hot and dry skin, and a high body temperature. Call 911 if you suspect heat stroke.

While waiting for emergency medical responders, OSHA recommends the following actions:

  • Ensure the affected worker is in a cool and shaded area.
  • Give the worker water as soon as possible.
  • Loosen his or her clothing and remove outer clothing.
  • Fan air on the worker and place cold packs in his or her armpits.
  • Place cool water, ice packs, cool compresses or ice on the worker.
  • Stay with the worker until help arrives.

Sourced from the National Safety Council

Avoid Parking Lot Hazards

Many employees begin and end their workday in parking lots, but they may overlook the potential dangers of the area. Approach parking lots the same way you would any street or intersection.

When walking in a parking lot:

  • Watch for vehicles and check your surroundings.
  • Never assume a driver can or will see you.
  • Always look both ways before crossing, and use sidewalks when available.
  • Refrain from walking in between parked vehicles; instead, walk down the lot’s main aisles.
  • Walk in groups so it’s easier for drivers to see you.
  • Wear appropriate shoes in inclement weather.

When driving through a parking lot:

  • Park in spots with less vehicle and foot traffic, and always watch for pedestrians.
  • Avoid driving in reverse when possible. Instead, pull all the way through a parking spot to avoid backing out and dealing with blind spots.
  • Drive slowly – no faster than 10 mph. Drive even slower in bad weather, and remember that vehicles tend to skid in wet weather.
  • Be mindful of tight spaces and low clearance.

Sourced from the National Safety Council

Facts About the Flu

OSHA recommends workers follow these tips to help protect against contracting the flu virus:

  • Get the flu vaccine.
  • Don’t go to work if you’re sick. If you have a fever and flu-like symptoms, stay home until your fever has been gone for at least a day.
  • Wash your hands regularly with soap and water for at least 20 seconds. If you don’t have access to soap and water, use an alcohol-based hand sanitizer.
  • Refrain from touching your face, particularly your nose, mouth and eyes.
  • Be mindful of others. Cough or sneeze into a tissue or into your upper sleeves, and then wash your hands.
  • Keep items you use regularly, such as your keyboard or telephone, clean. When possible, refrain from using a co-worker’s office equipment. If you must, consider disinfecting any items you use.
  • Keep your distance from people you suspect may be ill.
  • Do your best to maintain a healthy diet, and exercise regularly.
  • Check to see if your employer offers training on how to stay healthy at work.

Sourced from the National Safety Council


Be Prepared for an Emergency Situation          

Disasters can manifest in a variety of ways. Taking preventive measures and planning ahead can help you remain calm in an emergency.


  • Fires: A small fire can become a raging inferno in only a few minutes, the National Safety Council states. To help prevent fires, install smoke alarms on every floor and regularly test them. Ensure workers know how to operate fire extinguishers and what to do in the event of a fire.
  • Mother Nature: Tornadoes, earthquakes and hurricanes. These are just some of the destructive ways natural disasters can wreak havoc on people. Have an emergency kit prepared with at least 72 hours of food and water supplies. In addition, stay up to date on drills for disasters common to your area.
  • Violence at work: Workers have the right to be safe at their jobs. Create a zero-tolerance policy on workplace violence that covers verbal abuse and physical altercations.
  • Dangerous materials: If you suspect a gas leak or chemical spill has occurred, NSC recommends you E.S.C.A.P.E.:
    • E: Exit the area
    • S: Secure the scene
    • C: Call 911
    • A: Assess the problem
    • P: Pull your building’s fire alarm
    • E: Exit the building

Sourced from the National Safety Council

If you are bitten by a spider, NIOSH recommends taking the following steps:

  • Do not panic. If the spider is still nearby, do your best to identify it.
  • Wash the bite area with soap and water.
  • Use an ice pack or cool, damp cloth to help reduce swelling. Keep the bite area elevated.
  • Never try to remove venom.
  • Contact your supervisor.
  • Seek professional medical help.

To help prevent spider bites:

  • Give your work clothes, shoes and equipment a thorough shake before use.
  • If working near undisturbed piles of material outdoors – where spiders are known to reside – wear long-sleeved shirts and long pants, as well as gloves and boots.
  • Remove piles of debris from outdoor jobsites, and trim tall grasses.
  • Keep outdoor clothing and equipment tightly sealed in plastic bags.
  • Stay up to date with your tetanus boosters; spider bites can become infected with tetanus spores.

Sourced from the National Safety Council


Take a few minutes to give the gift of health and safety to yourself and others this holiday season.

  • Wash hands often for 20 seconds.image001
  • Bundle up for warmth.
  • Get a flu shot if you haven’t gotten one already. The best way to protect against influenza is to get a flu vaccine every flu season.
  • Eat a light, healthy snack before you go to parties to help curb your hunger and decrease your visits to the buffet table.
  • Watch your children. Develop and enforce rules about acceptable and safe behavior for using electronic media.
  • Fasten seat belts. Always use them, no matter how short the trip.
  • Don’t drink and drive, and don’t let others drink and drive.

Sourced from Centers for Disease Control & Prevention


Everyone should have smoke alarms and carbon monoxide detectors in their homes. Carbon monoxide, or CO, is an odorless, colorless gas that can cause sudden illness and death.

Three out of five home fire deaths result from fires in properties without working smoke alarms.

Take a few minutes to ensure your alarms will sound in an emergency.


  • Install a battery-operated carbon monoxide detector near bedrooms, and make sure smoke alarms are near all sleeping rooms. Install smoke alarms on every floor of your home.
  • Choose smoke alarms that communicate with each other, so that if one alarm sounds they all will.
  • Check or change the batteries in your carbon monoxide detectors at least twice a year.
  • Test smoke alarms monthly.
  • For smoke alarms that use regular alkaline batteries, replace the batteries at least once a year.
  • For smoke alarms that use lithium (long-life) batteries, replace the entire smoke alarm according to the manufacturer’s instructions.
  • Make and practice an escape plan in the event of a fire or emergency.

Sourced from Centers for Disease Control & Prevention

image001Healthy kids are more likely to become healthy adults. Be a role model and help your kids make safe and healthy choices every day.

  • Buckle up every age, every seat, every trip.
  • Put on a helmet during outdoor activities, including riding bikes and skating.
  • Put on sunscreen and avoid indoor tanning.
  • Brush and floss teeth with fluoride to help prevent tooth decay.
  • Wash hands with clear running water and apply soap. Rub hands for at least 20 seconds, then rinse.
  • Get a flu vaccine. Everyone needs a flu vaccine – every flu season.
  • Be active with your kids. Children and adolescents need a total of 60 minutes of physical activity every day.
  • Be smoke-free, and protect your children from second hand smoke.
  • Be a healthy role model. Show your child what it means to be healthy.

Sourced from Centers for Disease Control & Prevention