Welsch, Flatness & Lutz designs and manages risk management programs. The company acts as a client s agent for purchasing a comprehensive range of business insurance. This includes property and casualty policies to protect a client s firm; surety bonds on behalf of a company; and benefit plans to reward their employees. As a large, independent agent for home and auto insurance in the Midwest, Welsch, Flatness & Lutz provides a comprehensive range of property and liability insurance by partnering with various insurance carriers. It will give clients objective advice on what types and levels of insurance protection a family needs and, based on their unique situation, will help them find the programs and insurance companies that will provide the greatest value for their insurance dollar. Welsch, Flatness & Lutz is located in St. Louis.