Healthcare Worker with Patient

Home Health and Life Sciences

Norman Lutz' insurance career has been focused on health care risk since 2003. His experience includes underwriting, marketing, captive insurance solutions, and risk management. The foundation of his knowledge in this industry is aided by twenty years of experience working in hospitals, mobile intensive care units, and medical practices.

Norm understands physician professional liability risk and insurance and is prepared to assist you in obtaining the right coverage, with the right carrier, at the right price.

Meet Your Expert

Norman Lutz

Toll Free: 800.775.8526

Direct: 239.208.8091

Cell: 717.413.9583

Fax: 239.288.7544

Products Offered

Medical practices need more than professional liability coverage. Work with our experts to ensure all of your risks are properly insured:
  • Professional Liability

  • Commercial Property

  • General Liability

  • Workers' Compensation

  • Management Liability

  • Directors and Officers

  • Employment Practices

  • Fiduciary Liability

  • Crime

  • Data Breach Liability​

  • Inland Marine

  • Flood

  • Umbrella or Excess Insurance

  • Managed Care Liability

  • Key Person Life

  • Disability

Clients We Serve

We represent a diverse selection of home health and life sciences organizations. Contact us for solutions for:

  • Occupational and physical therapy

  • Pharmacies

  • Medical device manufacturers

  • Private duty nursing​

  • Accountable care organizations

  • Home health providers

  • Hospice programs

  • Speech Therapy

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