Personal Products

Our Personal Lines practice is committed to setting the highest service standards in the industry. The depth and breadth of our resources enable us to deliver innovative customized solutions that address your unique risk management needs.

We recognize that the needs of affluent individuals are not always adequately addressed within a standard insurance policy. For instance, ample coverage is not provided due to particular sub limited categories. We proactively address these types of issues by specializing in the following:

High-valued homes

Yachts and specialty watercraft

Fine arts and collectible objects

Equine (Horse farms, horse mortality and liability)

Specialty automobiles

Aircraft

Fine wine

Jewelry

Silver

Furs

Other valuables

We employ a collaborative approach involving professionals with expertise in these specialized areas.

Our due diligence process has proven successful time and time again for our clients. We employ a systematic approach to identify and evaluate exposures and analyze various facets of the insurance program. Our approach entails six steps:

Risk identification and assessment.
Analysis of current coverages given the exposures identified in step 1.
Identification of coverage deficiencies
Competitive review of marketplace.
Development of strategy and recommendations.
Periodic review of outstanding issues.

The result of this process are used to structure an insurance portfolio that provides you with the appropriate types and levels of coverage.