Your situation is special, and deserves our Private Client Difference
The benefits of working with our Private Client Advisors include premium insurance solutions and a full account advisor approach, with access to more than one market to suit your unique lifestyle. Protecting what is most valuable to you is our specialty and pleasure. You earned it, we protect it.
Additional Coverage Options
Nonprofit Directors and Officers Liability
A form of insurance for Nonprofit Directors and Officers that helps cover defense costs, settlements and judgments arising out of lawsuits and wrongful act allegations brought against a nonprofit organization.
General Liability Insurance
A form of insurance bought by businesses to indemnify the business for third party liability claims. Coverage can include premises and operations liability for onsite and job-site accidents and products liability claims for products that cause a loss to a third party.
Professional Liability Insurance
A type of liability coverage designed to protect professionals (e.g., accountants, attorneys, real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services. Although there are a few exceptions (e.g., physicians, architects, and engineers), most professional liability policies only cover economic or financial losses suffered by third parties.
Personal Liability Insurance
Liability coverage provided by your homeowners policy that protects the insured against the financial consequences of liability to others for bodily injury and property damage. This coverage also insures the cost of defense in addition to the policy limit.
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils.
Cyber and Privacy Liability
These policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities and cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.
Replacement Cost Coverage
One of the two primary valuation methods for establishing the value of insured property for purposes of determining the amount the insurer will pay in the event of loss. It is usually defined in the policy as the cost to replace the damaged property with materials of like kind and quality, without any deduction for depreciation.
A policy that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. An umbrella policy may cover certain risks from the first dollar of loss or liability incurred, which were never covered under the primary policies. Excess pays after an underlying primary policy is exhausted, but the critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit. Limits available up to $100M.
Employment Practices Liability Insurance (EPLI)
Provides coverage to employers against claims made by employees or a 3rd party alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote or wage and hour.
Wildfire Protection Services and Wildfire Assessment Inspections
This is a loss mitigation service designed to preempt damage well before a wildfire ignites, recommending steps to defend the space around your home, including suggestions for landscaping and building materials that help strengthen your defenses and reduce exposure.
A form of insurance for homes built prior to 1945 that offers coverage for consulting services, breakage of fragile items, landscaping, tax credit and employment crisis funds.
Fraud and Household SafeGuard
Coverage option to supplement your homeowners' insurance, offering financial and emotional support to your family in times of distress. Coverage enhancement may reimburse expenses related to physical and mental recovery following incidents like kidnapping, abduction of a child, home invasion, stalking, carjacking, violent threat. Contact us to learn more.
Coverage to supplement your homeowners' insurance that allows you to rebuild or restore your home with mateials that are energy efficient, uses less water and/or natural resources.
Multinational Property Solutions
Coverage for homes and belongings outside the U.S.
Family Safety and Security
Customized consultation designed to reduce threats to family safety, security, and personal wealth.
Hurricane Protection Services
Available for select areas, to help you prepare effectively for hurricane season and minimize the impact of wind and water on your home after a storm.
Additional Lines of Coverage
Personal Lines, Liability Umbrella, and so much more. We have solutions for all your insurance needs.
Interested in learning more?