L&W Insurance Agency

L&W Insurance Agency Our passion is protecting what matters most to you. We are committed to meeting your insurance needs, while exceeding your expectations for service.

We’re ready to partner with you.

The right acquisition partner should offer more than financial security. They should understand the value of your cultur...
08/31/2026

The right acquisition partner should offer more than financial security. They should understand the value of your culture, your clients, your employees, and the legacy you’ve built.

L&W Insurance works with agency owners planning for retirement, seeking growth partnerships, or looking for additional support. Our approach is centered around value alignment, collaboration, community commitment, and creating opportunities for the people who helped build your agency.

With nearly 95 years of experience, a full-service agency, national reach, and access to 100+ carriers, we’re positioned to help independent agencies build toward what’s next without losing sight of what made them successful.

Your home may not have changed, but your lifestyle might have, and those changes can sometimes introduce new insurance c...
08/28/2026

Your home may not have changed, but your lifestyle might have, and those changes can sometimes introduce new insurance considerations. Whether it’s working or running a business from home to renting out part of your property, there are many factors that could affect your risk exposure and coverage needs.

Regularly reviewing how you use your home and property can help identify potential coverage gaps before you need to file a claim.

08/27/2026

Many small business owners assume Workers’ Compensation Insurance is only necessary once they have several employees, but even businesses with just one employee may be required to carry coverage.

Workplace injuries and illnesses can happen in businesses of any size, and Workers’ Compensation Insurance can help cover eligible medical expenses, lost wages, and other costs associated with a work-related injury or illness.

Understanding your responsibilities as an employer and having the appropriate coverage in place can help protect both your employees and your business.

You may have the right auto insurance coverage, but what happens when the driver who hits you has none?In this Claims Sc...
08/24/2026

You may have the right auto insurance coverage, but what happens when the driver who hits you has none?

In this Claims Scenario, an uninsured motorist runs a red light and causes an accident. Depending on your policy, Uninsured Motorist Coverage may help protect you from certain expenses related to injuries and property damage when the at-fault driver doesn't have insurance.

08/21/2026

The Intern Files continue with Part 2 of our conversation featuring Chelsea Clark, our Director of Organizational Culture & Communications!

From deciding whether insurance is more necessary or exciting to imagining a brand-new holiday, Chelsea answers a mix of fun and unexpected questions that offer another glimpse at the personality behind the L&W Insurance team.

Thanks for following along with Chelsea and Landon’s Intern Files interview! Stay tuned for more behind the scenes content featuring our amazing team!

When disaster strikes, having a plan in place can make all the difference in how quickly a business is able to recover.A...
08/19/2026

When disaster strikes, having a plan in place can make all the difference in how quickly a business is able to recover.

According to FEMA, approximately 25% of businesses fail to reopen after a disaster. While emergency planning can help protect your employees, property, and operations, understanding your insurance coverage before an unexpected event occurs is another important part of preparing for the future.

Additional coverage options such as Business Interruption Insurance can help replace lost revenue and cover certain ongoing expenses when a covered event causes property damage and temporarily forces your business to suspend operations.

Don’t wait until after a disaster to understand how your insurance responds. Review your coverage with your agent, assess your risks, and make disaster preparedness part of your business continuity plan.

A second home is more than a vacation destination, it's an investment that deserves the right protection. Whether you ow...
08/17/2026

A second home is more than a vacation destination, it's an investment that deserves the right protection. Whether you own a seasonal getaway, a condo, or a cabin, your insurance needs may be different from those of your primary residence. Factors like extended vacancies, severe weather, and how the property is used can all affect the type of coverage you need.
Many homeowners are surprised to learn that standard policies may not cover every risk. Depending on your property and location, additional coverage for floods, sewer backups, or rental activity may be worth considering.
At L&W Insurance, we help homeowners understand their coverage options and make sure their residences are protected. Contact our team to review your policy and learn more: https://lwinsurance.com/

Protecting a community means protecting more than buildings, it means protecting the people, shared spaces, and responsi...
08/14/2026

Protecting a community means protecting more than buildings, it means protecting the people, shared spaces, and responsibilities that bring neighbors together.

Whether it’s common areas and community amenities or property damage and liability concerns, Condo and homeowners associations face unique risks every day. Having insurance coverage designed around your association’s specific needs can help protect the community when the unexpected happens.

Big or small, coastal or inland, L&W Insurance works with associations to build policy solutions that help protect what you’ve worked together to create.

08/12/2026

When property values change, your insurance coverage may need to change with them.

A coinsurance clause requires a property owner to insure their building for a specified percentage of its value. If your coverage falls below that requirement, you could face a coinsurance penalty after a covered loss, meaning your insurance may only pay a portion of the damages.

With construction and replacement costs changing over time, keeping an accurate property valuation can help businesses avoid unexpected coverage gaps and penalties.

Regularly reviewing your property values and insurance limits is an important part of protecting your business. At L&W Insurance, we're here to help you understand your coverage and make sure your policy keeps pace with your property: https://lwinsurance.com/

Address

1154 S Governors Avenue
Dover, DE
19904

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4:30pm

Telephone

+13026743500

Website

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