When we say LVI is special, we mean it literally, because specialty policies and covering both standard and unique businesses are key to what we do. It is no accident that there is an accent on commercial, notably specialized coverage like our Commercial Package Policy and Commercial Portfolio Policy, as well as the third leg of our specialty insurance coverage is the Artisans/Contractors Package Policy.

The nucleus of the LVI underwriting staff is four experienced underwriters— three of them Chartered Property Casualty Underwriters (CPCU)— and all are positioned to handle commercial package accounts, as well as most casualty business

“The underwriter is heavily involved in almost all aspects of the policy, including underwriting, billing and claims,” says John Pelka, Assistant Underwriting Manager, “providing a consistent and one-person ‘go-to contact’ at the company for all things Lebanon Valley.”

LVI is special, but it is also unique, notes Jim Lyter, LVI’s Underwriting Division Manager, who is involved in coordinating both underwriting and marketing activities.

"It’s a small carrier with mutual roots, but we write both commercial automobile and workers’ compensation (WC), which most of our peers have shied away from," Lyter explains.

Your business is literally our business at LVI, and our underwriters can bring you the following types of coverage:

 

  • automobile liability and physical damage insurance
  • insurance for business owners
  • crime coverage
  • fire & allied lines insurance
  • insurance on garages
  • general liability
  • inland marine insurance
  • umbrella coverage
  • Workers’ Compensation

 

Historically there has been a focus on property and liability coverage at LVIC, but commercial lines are high on the priority list of contemporary coverage as well. In keeping with covering the special and unique among commercial lines, we are particularly interested in the following types of business:

 

  • professional offices
  • small contractors
  • computer industry consultants
  • auto parts stores
  • garages and repair shops
  • home businesses with professional liability coverage for beauticians and barbers
  • sporting goods stores
  • historical societies and museums
  • service clubs
  • public libraries
  • veterinarians

 

Let Us Be Your Umbrella

Commercial umbrella coverage is a protection against catastrophic loss, and that’s because primary liability coverage may come up short if your business is on the losing end of a lawsuit. You can’t add umbrella protection without securing general liability protection. It’s the extra protection "over and above" the primary coverage and takes effect when the primary coverage has been exhausted.

The retained limit, or primary liability, is what you are required to carry, but the umbrella will help pay the ultimate net loss, or the amount your business is actually ordered to pay in a settlement. In essence, LVI is agreeing to pay the difference between the retained limit and what you are required to pay.

As one of the Tuscarora Wayne (TW) Group of Companies, LVIC mimics the TW model in how it positions its underwriters. Pelka, who works closely with the TW team, said that by having auto and Workers’ Compensation components “it gives our agents a one-stop shop ease of doing business” because of multi-line accounts on the products menu. 

"I would characterize our relationship with TW as being an important member of the Tuscarora Wayne Group of Companies offering some unique casualty products and with a separate agency force," adds Lyter of the marriage between two  small town carriers with rural roots.

For more information or service, contact a local agent by using our agent locator to find one near you.

LVIC Opportunities

Did You Know?

Insurance companies paid out more than $40 billion to the victims of Hurricane Katrina of August 2005, according to the Insurance Institute of America.