Cookie-cutter insurance doesn't fit.
When we sit down with new clients, we often find that they've never been asked some very important questions — questions that could significantly affect their policy and coverage.
There is no one-size-fits-all when it comes to comprehensive insurance programs. Your plans never start from a template — each one is built to fit you and your family's unique situation.
Comprehensive personal protection
Every policy is tailored to your unique portfolio of assets, lifestyle, and risk profile.
High-Value Homeowners
Guaranteed replacement cost, extended replacement up to 150%, coverage for renovations in progress, building ordinance, and service line protection. Tailored for homes valued at $2M and above.
Luxury Auto & Collector Vehicles
Agreed-value coverage for exotic, vintage, and collector vehicles. No depreciation on claims. Worldwide coverage with OEM parts guarantee and dedicated claims handling.
Excess Liability / Umbrella
High-limit personal umbrella policies starting at $5M. Protection against catastrophic liability claims including personal injury, libel, and worldwide coverage.
Fine Art, Jewelry & Collections
One valuable-articles program for fine art, wine, antiques, jewelry, watches, and memorabilia. Agreed-value settlements, worldwide exhibition coverage, no-deductible options, and automatic coverage for new acquisitions up to 25% of the scheduled limit.
Watercraft & Aviation
Hull and liability coverage for yachts, sailboats, and personal aircraft. Crew coverage, pollution liability, and worldwide navigation territory options.
Coverage most families never think to ask about.
Affluent families carry exposures that standard policies quietly ignore. These niche coverages close the gaps most brokers never mention.
Directors & Officers Liability
Personal protection for board service — corporate, family office, foundation, or nonprofit. Your personal assets shouldn't be exposed by a seat at the table.
Household Staff Workers' Comp
Nannies, housekeepers, estate managers, and private chefs are employees. Workers' compensation protects them — and shields you from statutory liability.
Kidnap, Ransom & Extortion
Discreet coverage for high-profile families. Crisis response coordination, security consulting, and travel risk management — at home and abroad.
Personal Cyber & Fraud
Coverage for cyber extortion, social engineering fraud, identity theft, and online account compromise — increasingly targeted at wealthy households.
Flood & Excess Flood
Standard homeowners policies exclude flood entirely. Primary and excess flood programs protect coastal, waterfront, and high-value properties.
Travel & Medical Evacuation
Global medical evacuation, security extraction, and international health coverage for families who live, work, and travel worldwide.
Not sure which of these apply to your family? That's exactly what our risk assessment uncovers.
Best-in-class service demands a personal touch.
We work intimately with our clients to ensure the best coverage, limits, and market rates. Best-in-class service demands that we choose our clients carefully — ensuring a common dedication to building a trusted, long-term relationship.
We leverage our network of personal insurance carriers and carefully chosen partnerships to offer what others cannot — competitive rates and coverage without sacrificing the personal relationship.
Advisor
A real person. Every step of the way.
See where you stand — then talk it through.
Our free risk assessment analyzes your personal asset exposure and delivers a coverage gap report — the starting point for a consultative review with your dedicated advisor.
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