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Associated Benefits and Risk Consulting - Private Client


Successful families have more at stake in securing personal data

With mega breaches exposing millions of consumer records every year, it’s not a matter of if, but when identity theft will occur. The 2018 Marriott International breach exposed nearly 400 million customer records, while a 2019 Capital One breach exposed the financial records of over 100 million cardholders and applicants. The number of exposed consumer records containing sensitive personally identifiable information (PII), such as name, address, and other information, increased 127% from 2017 to 2018, with totals hitting 446 million, according to the Identity Theft Resource Center (ITRC) 2018 End-of-Year Data Breach Report.

Back to school – and, for parents, social media risks and liabilities

For many, the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish could be taken back, but today’s teens face the added burden that if they convey those statements on social media sites like Facebook and Twitter, their words could be around for a lot longer than just the heat of the moment.

Looking to hire domestic help? Consider the risks and best practices

The financial consequences of being sued can be very serious for high-net-worth individuals and families who have more assets at risk. We recommend liability umbrella coverage for typical families with assets over $300,000. Because high-net-worth individuals often face complicated liabilities and have a lot to lose, they should have an in-depth conversation with their agents about what limit would be best for their needs.