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The Merriam-Webster dictionary defines stewardship as:

"...the conducting, supervising, or managing of something; especially: the careful and responsible management of something entrusted to one's care."

Our mission statement at WFL describes the duties and services we perform for our clients in a similar manner. We carefully perform our duties and responsibly provide our services for you, our customer, in the dedicated role of a steward - always mindful of the trust you have placed in our knowledge and the management of your insurance needs.

The Commercial Lines department at WFL is dedicated to the beliefs and values reflected in the Merriam-Webster definition of stewardship. Our staff of professionals is committed to exceeding your expectations and providing you with exceptional and extraordinary service. We promise to ask how we can be of service in accomplishing your organization's goals, and report to you how we have met those needs and how we have assisted in achieving your goals.

The insurance and risk management business is ever-changing with the constant introduction of new guidelines, new regulations and new coverage options. Our staff understands the importance of your insurance needs in managing your business. We will keep you informed about issues affecting your costs and offer insights into the latest techniques and knowledge to assist you in effectively and efficiently managing your business and your costs. We will work closely with you to find the best solutions for your business in today's complicated insurance and risk management environment.

The Commercial Lines department at WFL offers a wealth of experience in providing the professional services and advice necessary to navigate today's complex commercial insurance and risk management issues. Our vice-president producers are teamed with results-oriented service experts and first-rate technical support. Our services and expertise include: designing detailed loss control approaches; designing risk management plans to mitigate costs; analyzing and evaluating insurance coverage and recommending appropriate alternatives; analyzing and reviewing insurance contracts; performing claims analyses and reviews; conducting periodic payroll reviews; and reviewing your certificate of insurance program. We believe such service is an essential ingredient in our stewardship role and our devotion to "the careful and responsible management" of the issues entrusted to our care.

Our commitment to you is straightforward. We promise a coordinated team effort in "the careful and responsible management" you have entrusted us to provide and we will communicate every step of the way to keep you informed of our accomplishments.

Your firm will know the names of the Welsch, Flatness & Lutz professionals specifically dedicated to your organization: your vice-president producer, your account executive, your account representative and your customer service representative.

Each and every commercial lines customer has a dedicated vice-president producer who works closely with WFL account executives that are technical experts in plan construction and cost assessment. Account representatives coordinate and perform our customer's daily service needs. They are assisted by highly-skilled customer service representatives who make certain that auto ID cards, certificates of insurance and other documents critical to conducting business are delivered promptly and without delay.

Your firm will know the names of specialized Welsch, Flatness & Lutz professionals dedicated to your organization: your claims professional and your loss-control professional.

In addition to vice-president producers, account executives, account representatives and customer service representatives, a claims professional is also dedicated to each customer to assist with all aspects of a customer's claims. A WFL loss-control professional is available to assist in identifying and controlling potential loss exposures, providing clients with the ability to control and manage costs.

Our entire commercial lines team will ask you what you want, deliver prompt results and periodically report how we have assisted in accomplishing your goals. It is a simple plan for a complicated issue. It is simply stewardship - "the conducting, supervising or managing of something; especially: the careful and responsible management of something entrusted to one's care."

Let us show you how this simple concept can assist you in controlling your costs.