Lovitt & Touché

Business Insurance Solutions For Phoenix Businesses It is inevitable that your Phoenix area business will experience a number of planned and unplanned changes over the next several years. To navigate these changes and challenges, you need a world class partner at the local level who can provide sound business insurance advice to mitigate risk and help your business move forward to meet your business goals. Each one of our Phoenix area clients have unique requirements, so we provide the highest level of specialized business insurance professionals who know the ebb and flow of your industry. We have access to hundreds of issue and industry-specific, on-staff experts who understand risk from our clients’ perspective. And we have some of the best claims recovery people in the business. Our consultants will uncover emerging risk management threats before they become problematic. Give us an opportunity to learn what’s important to your business, and you will soon discover, together, our know

Business Insurance Solutions For New Mexico Businesses It is inevitable that your New Mexico area business will experience a number of planned and unplanned changes over the next several years. To navigate these changes and challenges, you need a world class partner at the local level who can provide sound business insurance advice to mitigate risk and help your business move forward to meet your business goals. Each one of our New Mexico area clients have unique requirements, so we provide the highest level of specialized business insurance professionals who know the ebb and flow of your industry. We have access to hundreds of issue and industry-specific, on-staff experts who understand risk from our clients’ perspective. And we have some of the best claims recovery people in the business. Our consultants will uncover emerging risk management threats before they become problematic. Give us an opportunity to learn what’s important to your business, and you will soon discover, together,

Business Insurance Solutions For Nevada Businesses It is inevitable that your Nevada area business will experience a number of planned and unplanned changes over the next several years. To navigate these changes and challenges, you need a world class partner at the local level who can provide sound business insurance advice to mitigate risk and help your business move forward to meet your business goals. Each one of our Nevada area clients have unique requirements, so we provide the highest level of specialized business insurance professionals who know the ebb and flow of your industry. We have access to hundreds of issue and industry-specific, on-staff experts who understand risk from our clients’ perspective. And we have some of the best claims recovery people in the business. Our consultants will uncover emerging risk management threats before they become problematic. Give us an opportunity to learn what’s important to your business, and you will soon discover, together, our knowled

Business Insurance Solutions For Arizona Businesses It is inevitable that your Arizona area business will experience a number of planned and unplanned changes over the next several years. To navigate these changes and challenges, you need a world class partner at the local level who can provide sound business insurance advice to mitigate risk and help your business move forward to meet your business goals. Each one of our Arizona area clients have unique requirements, so we provide the highest level of specialized business insurance professionals who know the ebb and flow of your industry. We have access to hundreds of issue and industry-specific, on-staff experts who understand risk from our clients’ perspective. And we have some of the best claims recovery people in the business. Our consultants will uncover emerging risk management threats before they become problematic. Give us an opportunity to learn what’s important to your business, and you will soon discover, together, our know

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 construct

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 underinsured mot

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 family, update

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 intuitive, blendin

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 businesse

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. We specialize in all funding methods such as fully insured, shared returns, self-funding, reference-based pricing

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/3a3pv5 Small Business Insurance | Lovitt & Touché The support, expertise and safeguards your small business needs to thrive.

The world of group health care benefits continues to increase in complexity. To help your business navigate the challenging health care landscape, at Lovitt & Touché we provide expertise to develop strategic, economical Tucson Group Health Programs. Employer-provided benefits programs are no longer limited to just insurance plans. With the increasingly complicated compliance landscape intersecting with changes in how employers and employees are defined and engage with each other, leading employers need to provide programs of benefits not just a benefits program. We will review your current benefits program to learn what is most important to you. Then we’ll design a plan that addresses your concerns, reduces risk and lowers your cost, all without damaging employee morale. Our well-cultivated relationships with all major insurance carriers allow us to provide an all-encompassing range of providers, networks, premium levels and plan designs. Lovitt & Touché understands that you ne

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. Captive

You know that preventing claims is the best way to lower costs. We will analyze your claims history, present policies and procedures including safety measures. From there, we will put together a strategy to repair and update your safety measures and provide employee education and training. After implementing the plan, we’ll monitor its progress and keep you informed of any needed adjustments, findings, and improvements. This is how you positively influence Tucson safety and loss prevention programs. Lovitt & Touché can also help you create effective disaster and pandemic planning or disaster recovery plans. Often, a basic plan will be enough provided you have solid insurance and risk management programs in place. All of this fits into your total risk management strategy. Risk prevention services support your insurance coverage by addressing the causes of risk at its roots. Some of the services we use to help prevent damaging insurance claims from occurring in the first place includ

How does it fit in? Tucson human resources consulting is at the start of everything — from pre-hire recruiting to employee screening to policy development. After a thorough evaluation of your needs, a Lovitt & Touché HR specialist will conduct an evaluation of your needs using the proper tools, which may include Tucson employee surveys, policy audits and other assessments. This process will assist in identifying any needed improvements or missing pieces. We’ll put together a plan that will fulfill your needs and meet your goals. With your approval, we will set this plan in motion, making any accommodations along the way as necessary. We’ll track progress throughout and keep you informed on the discoveries and improvements made. Lovitt & Touché works closely with clients to make sure they get the appropriate value and return from their HR Consulting. If your company needs Tucson Human Resources Consulting that works, contact Lovitt & Touché to schedule a complimentary insura

Your Tucson business will experience a number of planned and unplanned changes over the next several years. To navigate these changes, you need a world class partner at the local level who can provide sound benefits advice to mitigate risk. Our first piece of advice? Create an employee benefits RFP tailored to the precise needs and budget of your organization – let insurers compete for your business, not the other way around. The next step? Notify the most suitable candidates so they can participate. This will improve the competitiveness and quality of the proposals received and the likelihood that you will find an ideal match. For any organization creating an Tucson employee benefits RFP, Lovitt & Touché can provide exceptional knowledge, attention, and resources. Each one of our Tucson clients has unique requirements, so we provide a highly granular analysis of the most pressing benefits demands and regulatory changes for coverage that’s truly beneficial. We have access to hundre

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 motion. T