L&W Insurance Agency

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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.

10/16/2026

HMO, PPO, EPO... what do all these letters mean for your health insurance coverage?

Understanding the differences between health insurance plans is an important part of making informed decisions during Open Enrollment. From provider networks and referrals to out-of-network coverage, each plan type has its own features that can affect how you access care.

L&W Benefits Team member Emily Engh is here to help make sense of HMO, PPO, and EPO plans so you can feel more confident choosing the right coverage during Open Enrollment.

An honest mistake can have unexpected consequences for your business. For marketing agencies and other professional ser...
10/14/2026

An honest mistake can have unexpected consequences for your business. For marketing agencies and other professional service businesses, even small errors or oversights can lead to costly claims, legal expenses, and potential financial losses.

Professional liability insurance can help protect businesses against certain claims of negligence, mistakes, or failure to deliver professional services as expected. Having the right coverage in place can help safeguard your business when things don't go according to plan.

At L&W Insurance, our team helps business owners explore insurance solutions tailored to their unique needs.

Finding the right benefits coverage is about more than choosing a plan. It’s about protecting your health, supporting yo...
10/09/2026

Finding the right benefits coverage is about more than choosing a plan. It’s about protecting your health, supporting your wellbeing, and planning for the future.

Whether you’re an employer looking to provide valuable benefits for your team or an individual exploring coverage options for yourself and your family, having the right guidance can make all the difference. At L&W Insurance, our Benefits Team works with businesses and individuals to navigate their options, understand their coverage, and find solutions that support their health, wellness, and financial stability.

Big congratulations to Melissa on earning her CIC Designation!! 🎉 This is a huge accomplishment and we couldn’t be more ...
10/08/2026

Big congratulations to Melissa on earning her CIC Designation!! 🎉 This is a huge accomplishment and we couldn’t be more proud to have her on our team! Way to go, Melissa !! ✨🏆

Insurance policies come with responsibilities for both you and your insurance company, and understanding those expectati...
10/07/2026

Insurance policies come with responsibilities for both you and your insurance company, and understanding those expectations can help you better understand your coverage.

This month’s term: Conditions

Conditions are the part of an insurance policy that outlines the responsibilities of both the insured and the insurer. They can help explain what each party is expected to do under the terms of the policy. Understanding your policy’s conditions can help you know what’s expected of you and what you can expect from your insurance company.

From personal and commercial insurance to employee benefits, the team at L&W Insurance can help you better understand your policies and find coverage that fits your needs.

Finding the right insurance coverage is important, but so is having a team you can count on along the way.“L&W has been ...
10/06/2026

Finding the right insurance coverage is important, but so is having a team you can count on along the way.

“L&W has been nothing but amazing to work with for my insurance needs.” — Francesca C.

From finding the right coverage to providing ongoing support, our team is committed to delivering knowledgeable guidance, responsive service, and a straightforward insurance experience.

For many small business owners, finding the right insurance starts with knowing what coverage they actually need.53% of ...
09/30/2026

For many small business owners, finding the right insurance starts with knowing what coverage they actually need.

53% of small business owners say their biggest barrier to getting business insurance is simply not knowing what type of coverage their company requires.

Every business is different, and so are the risks they face on a day to day basis. Your industry, employees, property, services, and operations can all play a role in determining the types of insurance that may be appropriate for your business.

At L&W Insurance, our Commercial Insurance team takes the time to understand your business and helps you build the coverage around your unique needs.

Open Enrollment is right around the corner, and we’re here to help you prepare.From understanding your coverage options ...
09/28/2026

Open Enrollment is right around the corner, and we’re here to help you prepare.

From understanding your coverage options to knowing what to consider when making your benefits selections, there’s a lot to navigate during Open Enrollment. Over the next few weeks, the L&W Benefits Team will be breaking it down with helpful insights, answers to common questions, and information to help make the process a little easier.

Whether you’re reviewing your current benefits or considering your options for the year ahead, we’ll help you understand what you need to know before it’s time to enroll.

Stay tuned!

09/25/2026

We’re putting L&W’s producers in the spotlight with Ask a Producer, our latest series featuring conversations about insurance, industry insights, and the relationships behind the work.

Recently, we asked L&W’s producers why relationships matter in the work they do, and while each had their own perspective, one word came up again and again: trust.

Taking the time to understand a client, their needs, and what matters most to them helps our producers provide knowledgeable guidance and build relationships that extend beyond a single policy.

Hear directly from the L&W team about why relationships matter, and stay tuned for more Ask a Producer conversations!

09/23/2026

Cyber incidents aren’t limited to technology companies. A data breach, phishing attack, ransomware incident, or other cyber event can disrupt operations and create unexpected expenses for businesses across a wide range of industries.

Cyber liability insurance can help businesses prepare for the financial impact of certain cyber incidents, with coverage depending on the policy and circumstances of the loss.

No matter your industry, L&W Insurance can help you understand your cyber risks and explore coverage options designed for your business.
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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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