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Our Individual Plan Services
Helping You Protect What Matters To You The Most
We’re a national leader in insurance and reinsurance for a diverse group of clients. We can help you choose the right insurance protection for your family by helping you understand your exposures so we’re selecting together the best type and combination of coverage for you. You deserve the best and that’s what we deliver. Every time.
It All Starts With A Real Conversation…
We listen to what’s important to you so we can tailor a solution that’s right for you.
Then A Policy To Fit Your Specific Needs…
While our focus is on your immediate needs, we’re always looking ahead. As your trusted advisor we’ll work overtime to not only help you plan for the unexpected, but help you plan for the expected growth in your income also.
That Provides An Array Options, Now And Into The Future…
We can design a customized solution at the most competitive rate available and are not captive to any single insurance carrier–our service is responsive, personalized and we’re there when you need us. We’ll make sure your requests are handled quickly and accurately.
And An Exceptional Customer Experience Throughout.
Your VIP treatment doesn’t stop there. Part of our innovative solutions, resources and support includes annual renewal reviews, advisement and claims assistance. We don’t just sell it and walk away. You can count on us to continue to work hard for you with an innovative approach and the highest level of service, unmatched, in the industry.
Our knowledgeable agents go the extra mile to make excellent easy. Contact us today to find out how we can help you protect what matters to you the most!
Ready to get started or have questions? Fill out this short form and we’ll get back in touch with you soon to talk more about your questions or needs.
Private Risk Services – Focus On The Proper Protection
While our client roster is diverse, we specialize in the high net worth personal insurance business, by providing specialty coverage for homeowners, automobile, recreational marine, umbrella liability and valuable collections insurance for individuals and families with emerging and established wealth.
Families with substantial assets often overpay to be underinsured primarily because of failures to adjust personal insurance programs as they build wealth. Faced with the complexity of insurance policy contracts and often reluctant to think about bad things that could happen, these families leave their insurance relatively unchanged year after year. Many families with substantial assets are also vulnerable to significant financial loss. We’ll help you better protect your assets and lifestyle, because we understand your unique needs and have access to multiple carriers. We’ll conduct a thorough personal risk review, to create a customized insurance program that offers more effective protection, often with no significant increase in premium.
Your Personal Risk Review: The First Step Towards Superior Protection and Value
Risks tend to grow in number and complexity along with wealth, making each family’s situation unique. As a result, structuring a sound insurance program should begin with a thorough personal risk review. We’ll then build a plan to address risk on a strategic and comprehensive basis. The personal risk review typically covers three topics:
1. Physical and financial assets
What homes, cars, recreational vehicles and watercraft does your family own? Any high-value collections? Reviewing your financial assets is also important. Then we will be able to determine net worth for the purpose of recommending liability coverage limits.
2. Occupation, activities, and family status
Do any of your family members work from home, volunteer on the boards of charitable organizations, manage a family trust, employ domestic staff, travel internationally, or do you plan to renovate or expand your home? Are there particular concerns for family safety? Is a child about to reach driving age?
3.Tolerance for risk and safety habits
Is insurance primarily protection against catastrophic loss, or is it also expected to cover relatively small losses? Are alarm systems and other protective measures in place to reduce the risk of both small and large losses?
Many families we work with find they can strengthen protection against catastrophic losses while holding costs roughly the same, or even cutting premium payments, by taking advantage of easy savings opportunities, some of which they hadn’t even previously considered. As a high net worth family, you could also be overpaying for insurance that leaves you vulnerable to significant financial loss. We’ll help you better protect your assets and lifestyle, because we understand your unique needs and have access to multiple carriers.
Patching the Holes in a Problematic Umbrella Policy
See how we helped one family strengthen their protection against catastrophic losses by taking advantage of easy savings opportunities, some of which they hadn’t even previously considered.LEARN MORE
When 15 Minutes Just Won’t Do
See how we helped rebalance a family’s personal insurance program to achieve more effective protection without significantly increasing premiums.LEARN MORE