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Insurance Solutions

Invest in protecting what you have created so far and the future you want to preserve.

Financial management is about preparing for the unknown. That’s why insurance should be part of every financial strategy.

To help you ensure the success you have had so far as well as your financial future, we objectively analyze your situation to create an insurance strategy that addresses your specific needs. After reviewing your insurance options with you, we can put policies in place to preserve your financial stability, while giving you and your family peace of mind.

Depending on your unique situation, we may recommend that you review the coverages you have in place to determine their appropriateness and need for changes. You may want to adjust or add to the insurance coverage you currently have—property, liability, umbrella, cyber, collectibles, jewelry, life, long-term care, disability—to:

Private Risk Advisory Services

It is worth the effort to determine if you need higher insurance limits for personal possessions and asset protection, as well as a higher level of personalized service and risk management before you need them. Our Private Risk Advisory Services (PRAS) can help. As a PRAS client, you will benefit from:

In addition, your Risk Advisor can help you find the right coverage to safeguard your assets:

Excess Liability (Umbrella) Your responsibility for liabilities may not end at the limits provided by your homeowners insurance, depending on the damages caused to others and the awards provided by juries. Wealth is a target and all of your current assets as well as future earnings can be exposed. Work with our Private Risk specialists to determine what coverage is right for you.

Jewelry is a special asset class that includes everything from family heirlooms to investment-grade gemstones. If you've acquired beautiful pieces over time and have a substantial collection, the right insurance can help you preserve your jewelry's long-term value.

Wine Rest assured that your "liquid assets" are protected with a separate private collections policy; most homeowner policies specifically exclude coverage for perishables such as wine.

Auto If you own luxury, high-performance or collector automobiles, you need to consider specific issues such as market depreciation, the cost of replacement and repair, and how you will be treated if you have a claim. We can help make sure these issues are addressed to your complete satisfaction.

Fine Art & Collectibles Protecting a fine art collection starts with enlisting the services of a specialized insurer. It also means taking certain measures and precautions such as:

Life insurance

Planning for the future can be difficult, but not planning may put you and your loved ones at risk. We can help you ensure that your family is protected, while also maximizing your estate and retirement planning. We offer a wide range of life insurance products, including:

If you are a business owner, we can also provide executive benefit, key-employee, deferred compensation, and business continuation planning.

Long-term care insurance

Improved access to quality health care and healthier lifestyles have raised the average life expectancy dramatically. And while most people hope to remain active and independent throughout their lives, an accident or the effects of aging can create the need for long-term care. We can help you protect your assets from this uncertainty with a comprehensive long-term care policy.

Disability insurance

Accidents happen. But disability insurance can provide peace of mind knowing that, if you become disabled, you and your family are covered.


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