PERSONAL PROPERTY AND LIABILITY

We understand the complex needs of those with more to insure.    We will help you to assess your exposures and your current insurance program. We partner with the leading personal insurance brokers and carriers to ensure that you have the most appropriate insurance in place and that you receive the Concierge level of service that you expect.

LiabilityHomeowners and AutomobilePrivate Collections / ValuablesSpecialized Products

Protect your family and assets against claims of personal injury or property damage.  The Concierge approach is to fully assess what is at stake, should you be the subject of a third party liability suit, and to structure your program to include adequate limits. 

For most people, purchasing these coverages is as simple as signing up with the electric company. However, for those with fine homes, multiple homes, coastal properties, domestic help, very valuable vehicles, etc. the need for specialized coverage programs is heightened.
Chances are, your Homeowner's policy limits aren't nearly enough to replace your valuables if they are lost, stolen or damaged. Typical homeowners policies only cover such personal property up to $5,000 and that is excess of any deductible that you might have

Excess Flood
Group Excess Liability
Kidnap, Ransom and Extortion
Private Aviation
Worldwide Travel Protection
Yacht
Highlights:Highlights:Highlights:

  • Drop-Down- Umbrella Coverage
  • Worldwide Coverage
  • High Limits - up to $100M
  • Choice of Defense Representation
  • Unlimited Defense Costs
Optional endorsements:
  • Excess Uninsured Motorist
  • Employment Practices Liability
  • Not-for-Profit Board Liability

  • Guaranteed Replacement
  • Deductible Waivers
  • Replacement Cost
  • High Deductible options
  • Cash Settlement options
  • Backup of Sewers and Drains
  • Primary Flood (where eligible)
  • Damage caused by domestic pets
  • Superior Claims Service

  • Worldwide coverage due to fire, theft, earthquake, flood and breakage
  • Newly acquired items
  • Care, Custody and Control
  • Increased valuations for scheduled items
  • Items in Transit


Wine, Jewelry, Fine Art, Furs Collector Automobiles, other collectibles.

                   

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