Lucio D. Lombardo

About Lucio D. Lombardo

I help independent insurance agencies expand their capabilities to serve middle-market commercial clients with sophisticated risk needs—but my path here started long before my first insurance position.I grew up in a fourth-generation family business (imported foods, multiple Cleveland locations, 50+ years strong) and financed my college education by founding and running a landscaping company. Those experiences taught me something critical: successful partnerships are built on understanding the other side\'s business economics, not just your own growth goals.That philosophy has guided my 25+year insurance career across Progressive, The Hanover, Burns & Wilcox, Nationwide, American Reliable, and Chubb. I\'ve worked across personal lines, commercial lines, E&S, agriculture/equine, and commercial middle market—consistently delivering results: territories grown from $4M to $11M, partnerships that generated 156% premium growth, 175+ agencies appointed, and 50+ new profitable partnerships built.But here\'s what I\'m most proud of: the agencies I partner with see me as a business development advisor, not just a carrier rep. That\'s because I lead with understanding—asking about their capacity, margins, growth objectives, and client challenges—then determining if and how my carrier resources can help them achieve their goals.What I bring to every partnership:Business owner perspective – I think about P&L, operational efficiency, and sustainable growth.Multi-carrier insights – Six different carriers, six different cultures, countless lessons about what actually works in distribution.Client-focused solutions – I start with your clients\' needs and work backward to agency capabilities and carrier support.Data-driven strategy – I use analytics to identify opportunities and build re-engagement programs that turn dormant agencies into producers.Cross-functional leadership – I bridge sales, underwriting, operations, and technology to remove barriers and accelerate results.

Experience

1. Strategic Account Executive - Commercial Insurance

   Hub Heartland

   Dec 2025 — Present · Columbus, OH, US

   I partner directly with Hub\'s existing employee benefits clients to deliver holistic risk management by assessing and addressing their commercial insurance needs. Working with organizations that already trust Hub for their benefits programs, I help them achieve comprehensive protection across all commercial risk exposures through integrated solutions that coordinate with their existing benefits coverage.I begin every client relationship by understanding their business operations, industry risks, growth objectives, and current insurance program. Then I conduct a comprehensive risk assessment that examines commercial exposures, coverage gaps, cost inefficiencies, and opportunities for improved protection. I then develop tailored commercial insurance solutions that leverage Hub\'s extensive carrier relationships, national resources, and specialized capabilities—ensuring seamless integration with their benefits programs.* Comprehensive risk assessment across all commercial insurance exposures.* Commercial insurance strategy development and competitive market placement.* Ongoing strategic consultation as businesses evolve and risk profiles change.* Access to Hub\'s specialized industry expertise and sophisticated risk management resources.Clients achieve true holistic risk management through their existing trusted Hub relationship, eliminating the complexity and inefficiency of managing separate brokers for benefits and commercial insurance. They gain access to Hub\'s full platform—national carrier access, competitive markets, specialized expertise, and comprehensive service—all through a single, coordinated partnership.Drawing on 25+ years of both personal and commercial insurance experience, I bring deep market knowledge, carrier relationship insights, and proven risk management expertise to help Hub\'s benefits clients navigate complex commercial insurance challenges and achieve optimal outcomes.

Education

• International Risk Management Institute, Inc. (IRMI)

  Agribusiness & Farm Insurance Specialist (AFIS) Certification, Agriculture, Agriculture Operations, and Related Sciences

  2020 — 2020

• Hondros College

  Licensed Insurance Agent, Property & Casualty, Life and Health Insurance

• The National Alliance for Insurance Education and Research

  Pursuing additional education in both Commercial and Personal Lines Insurance

• Nationwide Insurance

  Basic Farm Certified Insurance Agent

  2018

• Cleveland State University

  Bachelor of Business Administration (BBA), Mangement and Labor

• The National Underwriter Company

  Commercial Lines Coverage Specialist Designation Program

  2017 — 2017

Skills

• Consultative Selling
• Claim
• Sales
• Recruiting
• Brokers
• Insurance
• Liability
• Development & Implementation of Marketing Plans
• Claims Management
• Management
• Team Building
• Leadership
• Casualty
• Relationship Management
• General Insurance
• Casualty Insurance
• Strategic Consulting
• Creative Market Planning & Execution
• Business Process Improvement
• Underwriting
• Forecasting
• Cold Calling
• Commercial Lines
• Territory Growth/Development
• Performance Management
• Professional Liability
• D&O
• Analysis
• Working with Brokers
• Property & Casualty Insurance
• Presentations
• Consultative Selling Style
• Commercial Insurance
• Customer Service
• Prospecting for New Clients
• Coaching
• Employee Benefits
• Umbrella Insurance
• Legal Liability
• Process Improvement