Our Process

Coverage Assessment Process

The vast majority of our new clients come to us as referrals from a current client. One way we earn our clients’ loyalty, trust and confidence, is through our unique Coverage Assessment Process.

Needs change over time. You may have added to your home, purchased new jewelry, or your teenager may have started driving. With our Coverage Assessment Process, we uncover the risks you face as life evolves – and we analyze your current coverage to ensure that you are not over or under-insured. Then, we recommend a protection program that is specific to your situation, needs, and risks.

If you are new to LBC, you will have an opportunity to see our Coverage Assessment Process at work right away. As an established client, you will go through the process at least every three years. Here is what the process includes:

Initial Contact

Your initial inquiry is referred immediately to an executive of the agency. To help you prepare for the next step, we will email or fax you the information we’ll need to conduct your Risk Analysis Interview.

Risk Analysis Interview

During our 20-minute phone interview, you will be asked a series of important questions about your current and future coverage needs. These will include questions about your home, valuables, cars, etc. – all intended to identify your exposures and create the exact coverage best suited for you. We set a time and date to deliver Your Coverage Formula.

Your Coverage Formula

Your Coverage Formula includes the specific coverages, amounts, and limits we suggest for your unique risks. We will email it to you as scheduled. Then, we’ll call to review it with you, answer any questions or concerns you might have, and make any necessary adjustments.

Policy Receipt

Once your policy is finalized, you are assigned an Account Manager as your personal contact to LBC. You are also introduced to our Claims Manager, so you’ll know who to contact if you experience a loss. Lastly, your insurance carrier will contact you to set a convenient time for your Replacement Cost Appraisal, which will help ensure that you will be fully protected.

Renewal & Review

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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