From Excavators to Industrial Warehouses

May 24, 2016

Agent Spotlight: Dave Lucas from Peabody Insurance Agency

On The Town Magazine(Volum 6 Issue 2 - pg 36)

Peabody Insurance Agency has a pretty awesome group of agents and team members. They wanted to take the time to spotlight one of their workers compensation specialists who has saved his clients thousands of dollars each year. He’s done this by correcting errors found in workers compensation audits, experience modification factors and premium calculations in every type of business, ranging from excavators to industrial warehouses.

Did you know approximately 25-50% of business owners who carry a workers compensation policy are now or have been in the past overcharged by an insurance company?

Most business insurance clients have no idea that there are errors in their premium calculations. Lucas will review your current and past policies, looking for the errors that will return premium to your business. You can count on him to discover these errors and deliver refund premium due to overcharges back to your bottom line.

“Helping customers is the most fulfilling component of what I do. After the initial visit, where I discover what they have, what their concerns are, and what they are trying to accomplish, we can come in. One of the biggest benefits we have is knowing the risks they may be facing and what solutions are available. This will allow them to make the best business decisions for them and their employees,” Lucas says.

After spending five years with the elite US Navy Seabees, Lucas learned how important meticulous planning and clear expectations are-- not just for the Navy, but also for business owners.

“Customers should scrutinize the qualifications and experience of the agent and agency,” Lucas says. “I believe experience is extremely important, and that is what sets Peabody Insurance apart from other agencies. It’s not only my goal to find the best price and coverage for my customers, but to help them understand what they're purchasing and why it’s important.”

Dave Lucas is a local workers compensation specialist. His services include consulting, insurance and risk management. You can count on him to discover the errors in your current policies and help provide your business the tools necessary to make an informed buying decision.

“To me, insurance is a personal commitment to help others. My job is to spend time looking for ways to reduce or return premium to your business.”

Dave is a Certified Workers Compensation Advisor, Certified Insurance Counselor and has earned hOSHA Outreach Certification. He began his insurance career with the Smith-Peabody-Stiles Agency in 1995 and later served as Vice President of Brown & Brown of Michigan for three years before opening Lucas Insurance.

Peabody Insurance Agency recognizes that the world of insurance is ever changing and complex. That is why they provide their clients with ways to simplify the insurance process in order to continuously meet their clients’ needs and interests.

“We are a full-service agency and our value proposition is to assist our customers in lowering their total cost of risk. We look at our clients and prospective client’s unique needs and goals and put together a comprehensive insurance program tailored specifically for you.” states Jim Peabody, owner of Peabody Insurance Agency. “We are proud to have Dave on our team, with his expertise, to help reduce the risk and the overall cost of insurance to our customers.”

“Contact us today for a review of your policy, you might be surprised at what we can do for your bottom line!” - Dave Lucas


Peabody Insurance Agency
265 North Alloy, Suite #100 Fenton, Michigan
www.peabodyinc.com| (810) 629-1504

Back to Albion: 25 Years Later

By Chelsea Mills • October 4, 2026
Old friends, favorite traditions and an awesome Homecoming weekend
Holiday catalog cover with two people carrying gift baskets outside a cabin, titled “The Heart of the Season.”

Christmas Gifts for Clients and Employees: Why October Is the Time to Start

By Chelsea Mills • October 2, 2026
Plan Christmas gifts for clients, customers and employees with Behind Your Design. Explore branded merch ideas and a timeline for ordering before the rush.

Inside and Out: Custom Umbrellas for Crim Fitness Foundation

September 30, 2026
A great staff appreciation gift should be thoughtful, useful and connected to the organization. For the Crim Fitness Foundation , custom reverse umbrellas combined function with standout branding. These 46-inch umbrellas feature full-color sublimation on both sides of the canopy, giving the Crim brand plenty of room to make an impact. Branded Inside and Out The outside features the Crim Fitness Foundation logo and brand colors. Open the umbrella, and custom artwork of runners making their way through Flint is revealed inside. Using colors from the Crim brand, the artwork celebrates the organization’s connection to running, movement and the Flint community. Full sublimation on both sides of the canopy allows branded umbrellas to go beyond a logo. Colors, patterns, illustrations and original artwork can become part of the design.

Custom Jerseys Put a New Spin on Spirit Wear

September 29, 2026
Custom jerseys are a fun way to take spirit wear beyond the standard T-shirt or sweatshirt. With fully customizable designs, they can be created around your school, team, organization or event and made to feel completely unique. At Behind Your Design, we can customize jerseys with your colors, logos, graphics, names, numbers and more. Full-color dye sublimation gives you plenty of freedom to create bold designs across the entire jersey while keeping the finished piece comfortable and wearable. We’ve created several custom jersey styles for our clients, including football and baseball jerseys for Michigan State University Fall Fest. Each offered a different look while giving MSU a memorable piece of custom spirit wear that still felt true to their brand.

A Successful Day at the 2026 MSU Vendor Fair

September 29, 2026
We had a fantastic time at the 2026 Michigan State University Vendor Fair ! It was a great day of connecting with so many wonderful people including current customers, new faces and plenty of potential future clients from departments and organizations across campus. One of the biggest hits at our booth was our T-shirt bags , which definitely got people talking. We also had lots of interest in the fully sublimated, two-sided umbrella we created for the CRIM Fitness Foundation. It was a great example of how a promotional product can go beyond simply adding a logo and become something truly custom and memorable.

Plan Ahead, Gift Better: Custom Client Gifts for the Holiday Season

September 29, 2026
There’s something special about taking the time to recognize the people who support your business throughout the year. Whether you’re thanking loyal clients or celebrating your employees, a thoughtful holiday gift is a simple way to show your appreciation. We love working with Hackney Jones Wealth Management , and this year, we’re helping their team get an early start on their holiday client gifts. Together, we curated several gift package options so they can choose something that feels just right for each recipient. Their custom gifts include cappuccino/soup mugs, stemless wine glasses, blankets and travel mugs. Each item was chosen with quality and function in mind because a great branded gift doesn’t have to be elaborate. Sometimes the most appreciated gifts are simply the ones people will use again and again.
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