Today’s agencies are stretched too thin with ever shrinking staff and burgeoning paperwork, making it a challenge to get a callback or a quote. Ever mindful of the limitations of larger agencies with all of their “resources”, we strive to take your wishes to heart. We will return your calls promptly and provide honest answers. If you are better suited to place your coverage elsewhere, we will tell you that too. We offer quality products and will outline the drawbacks of eliminating those coverages we feel you should have. We will candidly assess whether you can forego coverages as well. In some cases carrying higher deductibles can be an effective way to drive down costs and enhance the appeal of your account if you have had a rough patch with claims, or if your risks are greater than some underwriters would prefer. In other cases having a conversation with us about a fender bender or a water leak before contacting the claims department is time well spent. Needs evolve, so let us be your insurance solution with Richard G Lougee, LLC.

We have over 35 years of insurance know-how and considerable experience placing all sorts of risks. Here are a few examples of the type of risks we have worked with:

• Multi-million dollar businesses operating in several states, including auto/truck fleets.
• Personal insurance for affluent clients with multiple homes, many being waterfront.
• Restaurants.
• Cemeteries.
• Schools small and large.
• Condominium associations and their unit owners.
• A variety of different type museums.

The breadth of our experience reaches beyond just placing coverage. Our approach is to evaluate risk to develop a plan. Having experience as the chair of a self-managed 51-unit condominium association, we know how condominiums operate. Having served as a director on a national not-for-profit board for almost 10 years we know how a 25-person board answers to a 12,000-member organization. This helps to understand the coverage needs of directors and officers. Many years as a museum trustee and time on the executive committee of a museum provided experience in understanding museum operations.

We are also licensed as insurance advisors, meaning we do not need to place your coverage to provide you with services.

It is time to do business with an independent agent/broker who is not bound to any one insurance company but has arrangements in place to access a variety of top-rated carriers offering the right fit for you. We will do business in a way that works for you. We are highly automated yet we are still available for face-to-face meetings, using pandemic level precaution course. We can do business by text, e-mail, phone, or even fax. Please contact us today!