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Our Coverage Assessment Process helps us evaluate your coverage. We make certain you’re not wasting premium dollars by being over-insured or at risk by not having enough protection. We want your coverage to reflect your individual needs.

As you continue to grow so may your insurance needs. We are expert at identifying risks associated with life’s changes and recommending appropriate adjustments. This simple outline of our Coverage Assessment Process is what sets us apart from the rest, and is how we will earn and keep your trust.

We are proud to say that the vast majority of our new clients are referrals from a current client. This is proof that LBC is in the business of creating long-lasting partnerships with our clients while also earning their loyalty, trust, and confidence. Initial inquiries are referred immediately to an agency executive. We will email or fax what you will need for when we conduct your Risk Analysis Interview.

During our 20-minute phone interview, you will be asked a series of important questions about your coverage needs… present and future. Questions about your home, your valuables, your cars… all intended to identify your exposures, and create the exact coverage best suited for you. A time and date is set for delivery of Your Coverage Formula.

We will call you and email Your Coverage Formula. While reviewing it with you, we can answer all your questions or concerns, and make any adjustments that may be necessary.

An Account Manager is assigned as your personal contact to LBC. You are also introduced to our Claims Manager, should the need for those services ever arise unexpectedly. Lastly, the insurance carrier will contact you to set a convenient time for your Replacement Cost Appraisal.

60 days prior to your policy’s renewal, your Account Manager will contact you to discuss your needs and our recommendations for the new policy year.

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