Services – For Private Clients
Private Client Insurance
Personal coverage built for the complexity of what you've built.
Physicians, executives, and business owners accumulate homes, collections, vehicles, and liability exposure that standard personal insurance wasn't designed to handle. Our Private Client practice places and coordinates personal coverage across every asset you own — with one advisor accountable for the whole picture.
Home & property insurance
- High-value home insurance with guaranteed replacement cost — pays to rebuild at today's construction costs, not a depreciated limit
- Secondary and vacation homes, rental properties, and investment real estate under a single coordinated program
- Custom construction and renovation coverage for homes that standard replacement cost calculators routinely undervalue
- Flood and earthquake coverage where standard homeowners forms exclude it — especially relevant for coastal and California-based clients
- Scheduled personal property for jewelry, fine art, wine collections, musical instruments, and collectibles at agreed value
Auto & recreational vehicles
- Agreed value auto insurance for exotic, luxury, and collector vehicles — no depreciation at claim time
- Watercraft insurance for boats, yachts, and personal watercraft with agreed hull value
- Umbrella coverage coordinated with auto underlying limits to eliminate attachment point gaps
Personal liability & umbrella
- Personal umbrella insurance from $1M to $25M+ — essential for physicians and executives whose professional profile makes them attractive litigation targets
- Excess liability layers coordinated across home, auto, watercraft, and recreational vehicles — no gaps between policies
- Worldwide liability coverage for clients with international exposure or travel
- Domestic employee liability for household staff, nannies, personal assistants, and caretakers
Estate & asset protection
- Coverage structured for trust-owned properties, family LLCs, and assets held through estate planning vehicles
- Annual portfolio reviews that keep coverage limits aligned with appraised values as your holdings grow
- Coordination with your estate planning attorney and financial advisor so coverage doesn't create gaps in your broader strategy
- Identity theft and cyber fraud protection for clients with significant digital financial exposure
Physicians & professionals
Liability-First Coverage
A physician's professional reputation makes them a target in personal injury litigation. Personal umbrella limits need to reflect your professional profile — not a standard household formula. We start there and build outward.
Multiple Properties
One Program, Not Five Policies
Clients with a primary residence, vacation home, and investment property spread across different states often have three separate agents, three renewals, and three sets of gaps. We consolidate that into a single coordinated program.
Collectors & enthusiasts
Agreed Value for What Matters
Fine art, wine, jewelry, watches, and exotic vehicles lose value the moment a standard policy pays out at depreciated ACV. Agreed value scheduled coverage pays what the item is actually worth — no negotiation after a loss.