Private Risk ManagersPrivate Risk ManagersInsurance Advisory

Private Client

Personal insurance for complex lives.

When your assets sit across multiple states, entities and trusts, coverage assembled policy by policy will eventually fail you. We design one program that accounts for all of it.

Sunlit living room of a coastal luxury residence

Coverage

What we place.

Every program is built to order. The lines below are the ones our clients most often need working together rather than in isolation.

  • Primary & seasonal residences

    Guaranteed replacement cost, cash settlement options, wind and flood strategy for coastal exposure, and construction-period coverage for renovations.

  • Excess & umbrella liability

    Layered personal liability well beyond standard limits, coordinated with underlying auto, home and watercraft policies so no gap remains between layers.

  • Collections & valuables

    Agreed-value scheduling for art, jewelry, wine and automobiles, including transit, restoration and market-appreciation provisions.

  • Watercraft & aviation

    Hull, protection and indemnity, crew coverage, navigational and hurricane-haul-out warranties, and aircraft liability for owners and operators.

  • Family & household risk

    Employment practices for domestic staff, workers' compensation, kidnap and ransom, cyber, identity and reputational exposure.

  • Trust & entity-held property

    Correct naming of LLCs, trusts and family partnerships so the entity that owns the asset is the entity the policy protects.

Mediterranean-style family estate framed by mature oaks in late afternoon light

The Review

A clear picture before a single quote.

We start with an exposure review rather than a rate comparison. It typically takes two conversations and a document exchange.

  1. 01

    Inventory of properties, entities, vehicles, vessels and scheduled items.

  2. 02

    Analysis of current limits, deductibles, valuation methods and named insureds.

  3. 03

    A written summary of gaps, overlaps and the recommended structure.

  4. 04

    Placement with the carriers best suited to the risk, and annual re-testing.

Marine & Aviation

Assets that move need coverage that follows.

Vessels and aircraft cross jurisdictions, carry crew, and sit exposed during storm season. We write navigational limits, lay-up periods and crew provisions to match how the asset is actually used — not how a template assumes it is.

Motor yacht moored at a private marina at sunrise

Begin with a confidential review.

A short conversation is usually enough to reveal where your current program is exposed. There is no cost and no obligation.

Request a Review