Lovitt & Touché

Employee benefits solutions are not one-size-fits-all.   So why do many insurance brokers treat them that way? Clients’ unique demographics, including distinct philosophies, cultures, and goals play a vital role in designing an effective and efficient benefits program based on workforce needs and existing benefits budgets. Knowing how to address the complex needs of Fortune 500 companies, budget-conscious nonprofits and small businesses, and everything in between, we have the flexibility to find Tucson employee benefits solutions and make decisions quickly to benefit our clients whether they have 50 employees or 5,000. We specialize in all funding methods such as fully insured, shared returns, self-funding, reference-based pricing, captive insurance programs, MEC/MVP plans among others. We continually deploy customized reporting and analytics tools to help our clients make the most appropriate decisions for Tucson employee benefits programs, including putting a greater focus on w

The world of construction is a rapidly changing environment with plenty of unexpected pitfalls in even the most thoroughly planned projects.   As one of the largest practice groups at Lovitt & Touché, our dedicated construction team keeps pace with all industry advancements and evolutions, making us a trusted partner that places approximately $90 million of construction insurance premiums each year. We understand the unique needs you face day-in and day-out from both the underwriting and brokerage sides. Together, we’ll help you design a Phoenix construction insurance and risk management strategy customized to your business to provide greater peace of mind on projects big or small, at any stage of development. We know the construction industry is complex and can be filled with unexpected pitfalls. Our team can provide you with greater peace of mind as we work together to tackle daily challenges and necessities. Contact Lovitt & Touché to schedule a complimentary Phoenix con

Protecting our clients begins with personalized plans that provide peace of mind. No two individuals are alike We believe private client solutions are just as unique. Based on a variety of life circumstances, priorities, long-term goals and liability exposures, every client’s needs are one of a kind and require not only a customized solution, but a dedicated team to identify the best possible insurance program. Our goal is to protect you, your family, your assets and everything in between. Personal Relationships Yield Best Solutions We ensure you are maximizing your insurance dollars by providing the best combination of coverage and pricing. Cost is definitely part of the conversation, but it shouldn’t be the sole driving factor when selecting an insurance program. We take a 360-degree look at your life to identify exposures that might threaten wealth or property, and provide effective solutions to minimize risk. From excess liability/umbrella policies to uninsured and underins

Tailor-made solutions to enhance the executive team’s coverage to create added peace of mind. A comprehensive insurance plan is a tool to ensure your company is taken care of during unexpected times. We believe taking care of your executive team should be part of that plan. We offer extensive, customized solutions that enhance your leaders’ current coverages. This includes incorporating sophisticated insurance concepts that affect both the individual and the business. Your Partner in Creating Security The various types of insurance and compensation packages can be complex and confusing. Whether it’s planning for retirement, ensuring long-term care, reducing estate tax liability, distributing assets or planning for heirs, the good news is that we’re specialists who shop the market so you don’t have to. We serve as a trusted advisor to our clients, consulting on the best coverage for your executive team’s specific needs. Whether you need to create a safety net for your new famil

Smarter healthcare benefits for today’s business landscape. With the rising cost of healthcare, running a business today is more competitive and expensive than ever before. We provide a forward-looking strategy that gives your company a competitive advantage in the changing world of healthcare through ClearPath Prime, our own private exchange. The Power of Choice For many businesses, the current benefits process is a vicious cycle of waiting for renewals, hoping for the best outcomes and then becoming a confined participant in passing more costs onto employees, spending more on benefits or shifting more costs onto the employee. We’ve found a way to break the cycle by providing an alternative. ClearPath Prime allows you to control the amount of push or pull you experience. An Exchange that Works Private exchanges come in many different forms, including consumer shopping websites, which can often be confusing and seem to have conflicting information. ClearPath Prime is intuitiv

Together, we’ll ensure your business is protected. We understand the pace of business, especially as competition soars and the need for bonds is immediate. As trusted partners who specialize in bonding, Lovitt & Touché has a team of seasoned problem solvers with more than 100 years of combined surety experience on both the underwriting and brokerage side of the industry. Experience matters in the world of bonds & surety As one of the largest bond operations in Arizona, we have become a trusted partner to many different companies – from single employee firms looking for a license bond to the biggest contractors in the state. With deep ties to the local construction community, our clients are assured of our commitment to excellence in servicing their bonding needs, spanning from a modest commercial remodel to a $250 million+ stadium project. Our expertise reaches well beyond the construction field into many other industries where we act as a trusted advisor, helping busi

Real-world workplace solutions built on innovation, industry knowledge and customer service. Employee benefits solutions are not one-size-fits-all. So, why do so many insurance brokers treat them that way? Clients’ unique demographics, including a distinctive philosophy, culture, and goals, play a vital role in putting together an effective and efficient benefits program based on workforce needs and existing benefits budgets. Flexibility for custom solutions Knowing how to address the complex needs of Fortune 500 companies to budget-conscious nonprofits and small businesses, we have the flexibility to find solutions and make decisions quickly to benefit our clients whether they have 50 employees or 5,000. We specialize in all funding methods such as fully insured, shared returns, self-funding, reference-based pricing, captive insurance programs, MEC/MVP plans among others. https://qoo.ly/36pj94 Employee Benefits | Lovitt & Touché Real-world workplace solutions built on

The support, expertise and safeguards your small business needs to thrive. We understand the challenges that small businesses face. Working side-by-side, we can help you manage risk, protect your assets, streamline benefits and ensure long-term, sustainable growth. Get an Insurance Quote 24/7/365 Our online rater tool provides small business owners with the ultimate convenience when seeking quotes. You can seamlessly create a quote-by-quote comparison, complete with coverage analysis, the impacts by adding or removing premium coverages and additional resources to guide your purchasing decision. What We Offer We are proud to offer a wide range of insurance and employee benefits solutions that small businesses in virtually any industry need. We encourage you to learn more about our specific solutions. https://qoo.ly/36mux5 Small Business Insurance | Lovitt & Touché The support, expertise and safeguards your small business needs to thrive.

Helping you find right-sized, loss-sensitive solutions for your business. If you have diverse needs or unique circumstances, we have tailored plans to give you the greatest amount of control over the total cost of your insurance while providing greater value for the dollars you spend. With decades of experience and deep knowledge of the insurance industry, we leave no stone unturned when it comes to putting together non-traditional, loss-sensitive insurance solutions. In fact, when solutions haven’t existed, we created our own to help give clients the coverage they need at an affordable price with value-added services included. Retrospective Rating Plans Why should you pay premiums based on industry-wide loss experiences? We can provide access to retrospective rating plans with variable premiums that adjust with losses you experience, not losses of others. Our goal is to give you a right-sized, fair-priced insurance solution that better reflects your current claims experience.

We can help you seize control of risk, prevent losses and save money. Risk is an element of every business. While other brokers focus on unsafe actions, at-risk behaviors and unsafe conditions, our risk control consultants work with clients to develop a culture focused on behavior-based safety, quality and individual performance excellence. We understand the big difference between safety and compliance. This shift from compliance to safety will increase your ability to achieve the ultimate goal of ZERO risk. Risk Management Center We offer a customized, web-based software suite of safety and risk management tools that is designed to empower your risk prevention efforts, combining efficiency with user-friendly technology to streamline daily tasks and help you achieve your target condition. Cost Reduction Technology (CRT) We offer an in-house Cost Reductions Technologies (CRT) Strength & Agility Screening program to help you reduce claims due to overexertion and repetitive

Your partner in identifying exposures, managing risk and creating the greatest value. Big or small, growing or transitioning, we provide businesses with innovative tools, smart resources and honest guidance to keep them protected. Business Analysis We get to know you – really. We analyze your operations, identify potential risks and assess coverage needs. We ask smart questions so we understand your business better. This helps us see issues on the horizon, bring new ideas to the forefront and ensure you understand how specific risks impact your company. Business Insurance Coverage As a leading brokerage nationwide, we specialize in providing businesses with the coverage they need to protect against losses, property damage and legal liability to employee-related risks and special circumstances. Our team of seasoned advocates with decades of experience get to know your business inside and out, along with unique risks you face, to ensure you have adequate coverage not only to re

We understand the risks, coverage and needs specific to nonprofit organizations. In the nonprofit world, where passion is high and resources may be limited, a trusted partner for managing risk and improving safety is essential. We have extensive knowledge of the challenges and opportunities that nonprofits face, including fundraising, attracting and retaining board members, properly training staff and preventing turnover. Nonprofit leadership With decades of experience guiding nonprofit leadership through key growth phases, we always strive to find creative insurance and benefits solutions that meet needs while maximizing budgets. We understand your non-profit needs Working with a wide range of nonprofits, we understand how an insurance program needs to be structured, given funding resources and services. We encourage you to learn more about our business insurance, risk management and employee benefits solutions. https://qoo.ly/36j9q3 Nonprofit Industry | Lovitt & Tou

Specialized guidance and coverage for any organization with electronic data, technology exposures.  Few companies evolve as rapidly as technology companies, which rely heavily on cutting-edge tools, sensitive data and savvy people with creative mindsets. Such businesses need partners who understand their specific exposures and can help them attract top talent with the right benefits packages. Breaking barriers. Building foundations. On the frontline of technology exposures, we take time to evaluate your operations, services, products and business practices so we can make customized recommendations to reduce your risk. Whether suggesting procedural changes to mitigate cyberattacks or enlisting the assistance of forensic specialists, you can count on us to advise on the right coverages for the right resources. We also understand that the right team is essential for long-term success and innovation. We can create employee benefits packages that are designed to attract and retain lo

We bring clear-cut, efficient solutions to help you manage risk in a billion-dollar industry. Real estate is about more than buying and selling. It’s about managing risks and being smart in all aspects of the deal. Identifying unique risks We identify the risks your particular deal, project or portfolio faces, and design a customized program to limit claims risk. Real estate experts With a dedicated team in the real estate industry, we have worked with a variety of owners and managers – ranging from those who operate billion-dollar portfolios or development projects to individual owners and managers – to design optimal risk management programs. In fact, our programs have become attractive growth resources, and often times a sales tool, as clients expand their portfolio, find new investors, or attract new ownership groups to manage. https://qoo.ly/36gwcn Real Estate Industry | Lovitt & Touché We bring clear-cut, efficient solutions to help you manage risk in a billion-

In-depth insurance experience with trucking, aviation, cargo and logistics. The transportation industry experiences risks and exposures that can put the balance sheet and operational fluidity at risk. Working with a brokerage that has the industry knowledge and expertise in all sectors of the transportation industry is critical for creating a strong risk management and insurance program that meets all short- and long-term needs. Industry-Specific Tools & Resources Our dedicated transportation team excels at using industry-specific tools to help our clients operate efficiently and safely, such as SaferWatch for streamlining the carrier approval process, as well as the resources offered by the Federal Motor Carrier Safety Administration (FMCSA). We have additional state-of-the-art risk management tools and resources, offering you support with pre-hire screening, driver training and preparation of DOT file audits. You can also access the Lovitt & Touché Gateway 24/7/365 to

Personalized support and coverage that protects the institution, the people who form it and the next generation. There are many risks and exposures that schools need to consider these days, from ensuring staff and students are safe on campus, to safeguarding private and protected information from cyberthieves and data breaches. Our niche education team works with educational institutions of every level, including public, charter, virtual schools, vocational, and higher education, with both multi-state and international exposures. Guidance Specific to Educational Institutions As an extension of your team, we view your operations through a risk management and loss prevention lens, conducting risk management assessments, loss control audits and property/liability analyses. Budget-Conscious Programs And with every dollar needing to go further in the classroom, we understand the importance of providing the best value for our education partners. We maintain a centralized property and

Helping you navigate insurance needs when security, time and money are at stake. More than ever, healthcare companies are under the microscope. Doing more with less and having every public dollar scrutinized, we understand the importance of maximizing your resources to ensure you are covered. We also understand the industry-specific intricacies of managing risks and protecting assets. Experience You Can Trust Our experienced team stands by your side, ensuring that your organization is shielded from risks and exposures, while being nimble and responsive to handle any curve you are thrown. https://qoo.ly/36ezqd Healthcare Industry | Lovitt & Touché Helping you navigate insurance needs when security, time and money are at stake.

Helping you drive business forward with the coverage and services you need. Product recalls. Service interruption. Supplier snafus. OSHA visits. Companies in the business of manufacturing face unique risks, many of which aren’t covered under traditional property and casualty coverage. Experience You Can Trust You have a trusted, experienced team with deep carrier relationships by your side that understands the risks and exposures of your industry, and can help shield you from them. When the unexpected happens, we will be by your side to help you overcome insurance risk-related challenges.  https://qoo.ly/36dgyw Manufacturing Industry | Lovitt & Touché Helping you drive business forward with the coverage and services you need.

Helping you navigate industry-specific risks and exposures that can have a serious financial impact on your operations. From benefits packages and slips or falls to food tampering and product-induced injury, the restaurant industry faces an extraordinary amount of risk and exposure. We are no strangers to providing sound insurance programs and a full line of coverages for a variety of businesses within the food and beverage industry, including proudly representing the owners/operators of one of the most widely recognized fast food brands in the world for more than 20 years. Ready to Serve Our dedicated staff of insurance professionals are ready to respond to your unique insurance needs and offer a variety of insurance services. With in-house underwriting, claims advocacy and loss control, we look out for your needs and help you manage your operations.  https://qoo.ly/36crxe Restaurants Industry | Lovitt & Touché Helping you navigate industry-specific risks and exposures

Decades-deep industry expertise, diverse coverage options help us create tailored programs. The behavioral health and human services industries are exposed to a range of risks and liabilities that can impact an organization’s ability to provide critical mental, emotional and wellness services. We understand these risks and can guide you in developing a thoughtful insurance and risk management program to ensure you are protected at the right level and mitigate potential threats. Experience You Can Trust Our deeply entrenched team has specialized expertise understanding the unique environment in which you operate, from funding restraints and claims’ statute of limitations, to managing contractors, providers and volunteers. With nearly 300 clients in the behavioral health and human services sphere, Lovitt & Touché offers experienced claims and risk control personnel, expansive access to specialized markets and carriers, and acts as an important partner in helping you evaluate e

Construction experience is essential to crafting an effective insurance program. The world of construction is a rapidly changing environment with plenty of unexpected pitfalls in even the most thoroughly planned projects. As one of the largest practice groups at Lovitt & Touché, our dedicated construction team keeps pace with all industry advancements and evolutions, making us a trusted partner that places approximately $90 million of construction insurance premiums each year. We understand the unique needs you face day-in and day-out from both the underwriting and brokerage sides. Together, we’ll help you design a risk management strategy customized to your business to provide greater peace of mind on projects big or small, at any stage of development. We know the construction industry is complex and can be filled with unexpected pitfalls. Our team can provide you with greater peace of mind as we work together to tackle daily challenges and necessities.  https://qoo.ly/36b

Employee benefits solutions are not one-size-fits-all. So why do many insurance brokers treat them that way? Clients’ unique demographics, including distinct philosophies, cultures, and goals play a vital role in designing an effective and efficient benefits program based on workforce needs and existing benefits budgets. We continually deploy customized reporting and analytics tools to help our clients make the most appropriate decisions for Phoenix employee benefits programs, including putting a greater focus on wellness initiatives, disease management programs and new prescription solutions to help offset potential losses. In today’s ever-changing benefits world, solutions can often be complex, confusing and costly. From benefits administration and compliance to healthcare reporting and private exchanges, we deliver breakthrough innovation and unparalleled technical expertise. We’ve even created a cutting-edge private exchange – ClearPath Prime – to provide employees with many di