The Lutgert Insurance Blog


  • Watch for children in the street and on medians when driving.
  • Prepare your home for trick-or-treaters by clearing porches, lawns and sidewalks.
  • Keep lit pumpkins away from where children will be walking.
  • Establish a curfew for your children.
  • When leaving the house make sure you lock your doors and set your security alarm system.
  • Go only to well-lit houses, remain on porches rather than entering houses, and stay in familiar neighborhoods.
  • Travel in groups and be accompanied by an adult.
  • If possible, carry a cell phone for emergency-know how to call 911.
  • Walk, don’t run, and obey all traffic signals (cross only at corners).
  • Make sure costumes don’t drag on the ground and make sure your costume or mask does not obstruct your vision.



  • A Halloween safety tip of prime importance for college students is to never allow or invite strangers into your dorm or apartment.
  • Avoid areas that are not well lit, and try to walk in high-traffic areas.
  • Travel in groups as much as possible. If you must travel alone, let a trusted friend or family member know where you are and who you are with.
  • Keep your cell phone handy in case you get separated from your group or need to contact emergency services.
  • Make use of safe forms of transportations such as cabs.
  • If you are going to a party venue, familiarize yourself with the fire exits when you arrive so that you are prepared if an emergency evacuation occurs.
  • Be cautious when approaching strangers while in your costume so that you do not draw any unnecessary or negative attention.
  • While you and your friends may have coordinated costumes, strangers may not be as knowledgeable about your costume and its accompanying props. Don’t carry fake weapons. Not only do you want to avoid scaring those around you, but you also want to avoid alarming the police.
  • Don’t eat any opened or unwrapped food or candy.

Today, Lyme disease is widespread across the United States, but the highest risk of exposure is in wooded areas during spring and summer months. That means construction workers, landscapers, forestry employees, brush cleaners, land surveyors, farming workers, railway employees, oil field workers, utility line employees and parks and wildlife management individuals are all at a high risk of contracting Lyme disease… Continue Reading



CONTACT: Patty Hornbeck, (239) 262-7171 x222

 Lutgert Insurance invited to join The Council of Insurance Agents & Brokers

NAPLES, Fla. (October 2014) H.A. (Bud) Hornbeck II, President and CEO of Lutgert Insurance, today announced that Lutgert Insurance has been invited to join The Council of Insurance Agents and Brokers (CIAB), a 100 year-old organization based in Washington, D.C.  

“The CIAB is made up of the largest, best agencies and brokers in the country,” Hornbeck said, “along with associate members from the top insurance companies.”

Hornbeck will attend the organization’s annual Insurance Leadership Forum at the Broadmoor Hotel & Resort this month.

The Council of Insurance Agents & Brokers is the premier association for the top regional, national and international commercial insurance and employee benefits intermediaries worldwide. Council members are market leaders who annually place 85 percent of U.S. commercial property/casualty insurance premiums and administer billions of dollars in employee benefits accounts. With expansive international reach, The Council fosters industry wide relationships around the globe by engaging lawmakers, regulators and stakeholders to promote the interests of its members and the valuable role they play in the mitigation of risk for their clients. 

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About Lutgert Insurance

Founded in 1953 and headquartered in Naples, Florida, Lutgert Insurance protects client assets and earning power by identifying and evaluating risks, providing insurance products to address risks, and offering expert loss control and prevention consultation. With offices in Naples, Ave Maria, Fort Myers, Marco Island, Sarasota, and Tampa, the company offers a comprehensive array of personal and commercial insurance products including estate planning services and employee benefits programs. Lutgert Insurance is a division of The Lutgert Companies, a privately held real estate development company with additional holdings in Premier Sotheby’s International Realty, Lutgert Title and The Lutgert Resnick Group. For more information, visit

With the recent rains and flooding in SWFL, everyone should be rethinking flood insurance. Just because you aren’t in a designated flood plain doesn’t mean that your property won’t flood after an intense thunderstorm or a week or so of tropic disturbance. We do live on a swamp after all!