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Insurance brokers & consultants providing expert risk managment counsel


Our mission as insurance brokers & consultants is to understand the business of our clients as if it were our own so that we may focus on the client’s priorities with sensible risk management counsel delivered with business acumen and superior technical competency.

Business Segments

Commercial Insurance

To improve a client’s risk profile and achieve a lower cost of risk, reduce premiums and expanded coverage, LRS advisors, in collaboration with our clients, invest the time necessary to survey and analyze operations, exposures, corporate culture and management’s priorities. Strategies are developed and implemented to mitigate risk. Underwriters who understand that our clients are committed to improve their risk profile by mitigating losses are more apt to offer insurance products that are better priced with more comprehensive coverage.

Employee Benefits

Rising health care costs have to be managed as part of a larger complex ecosystem where employer and employee relationships intersect. In addition to helping contain costs for the employer and employee alike LRS compliments client HR departments with a host of signature support services including compliance and regulatory support, employee communication and claims advocacy, to name a few.

Personal Insurance

Personal portfolios are often valued most. To bridge the gap to protect these assets well, care and dedication in the service are the principal drivers of client engagements. Affluent clients benefit from our relationship with carriers that offer insurance solutions suited to meet their complex needs.


Our philosophy and methodology to risk management has allowed us to serve as the out sourced risk management facility of clients along a broad spectrum of industries. Over 30+ years, we have worked with colleges & universities, construction and real estate development entities, thoroughbred racing venues, tech start-ups, staffing firms, architect & engineering firms and religious institutions. As risk advisors we have both an in depth technical understanding of multilines of coverage across a broad range of industry verticals.

Construction & RE Development
Architects & Engineers
Tech Start Ups