Significant assets require expert guidance and specialized insurance solutions.

As daily demands increase both at work and home, today’s professionals need a better way to protect their assets and plan for the future. By design, mass-market policies are structured for the average consumer. You aren’t average and neither are your insurance needs. As a result, you might be paying excessive premiums for what amounts to inadequate coverage. Our personal insurance specialists evaluate your existing assets to prepare a solution tailored to your needs.

Our personal risk managers minimizes risk by building a customized personal risk management program that allows you to build policies superior to those found in the mass market so your premium dollars are not wasted. We partner with the best carriers in the industry to help you navigate through various coverage options, limitations, and exclusions — enabling you to make the right decisions when it comes to protecting your personal assets.

We can assist you with many lines of coverage, including:

• Homeowners — primary and secondary properties
• Automobile
• Valuable items
• Individual life insurance
• Watercraft/yacht
• Recreational vehicles
• Aircraft
• Builders risk
• Excess liability/umbrella coverage
• Kidnap and ransom coverage
• Employment practices liability
• Flood/excess flood
• Identity theft protection
• Individual medical insurance
• Travel insurance
• Full replacement cost coverage with a cash settlement option
• Rebuilding to code
• Mechanical equipment breakdown coverage
• Disappearing deductibles
• Water backup from sewer and drains
• Credit/bank card coverage
• Personal injury protection