Elite Risk Management for Your Personal Wealth & Assets
Independent, fee-based advisory protecting high-value homes, luxury portfolios, and complex lifestyles with zero carrier bias.
Standard Policies Have Dangerous Blind Spots for High-Net-Worth Assets
Traditional insurance policies are built for mass-market risks, using standardized wordings that often fail high-net-worth families. If you own custom architecture, high-value personal property, watercraft, secondary residences, or carry substantial personal liability exposures, a standard policy leaves major gaps.
Because traditional brokers are tied to specific insurance companies, they rarely flag these vulnerabilities. As independent consultants, we look at your entire personal portfolio with total objectivity.
High-Value Homes & Properties
Ensuring proper reconstruction cost limits, guaranteed replacement cost wordings, and specialized coverage for secondary residences.
High-Value & Exotic Automobiles
Standard auto policies fail when insuring exotic, imported, or high-performance vehicles, often enforcing restrictive market-value settlements or forcing repair shops of their choice. We structure agreed-value coverage, OEM parts guarantees, and specialized transportation protections to protect your investment.
Yachts & Luxury Watercraft
Navigating marine insurance requires specialized knowledge of navigational limits, lay-up periods, environmental liabilities, and salvage coverages. We ensure your yachts, boats, and marine assets are properly protected against the unique exposures of open water.
Rental & Investment Properties
Standard landlord policies often carry critical gaps regarding loss of rental income, premises liability, and tenant-caused property damage. We audit your real estate portfolio to ensure your secondary and investment properties are shielded from tenant risk and severe property loss.
Scheduled Valuables & Fine Art
Standard homeowners policies impose strict, low sub-limits on high-value jewelry, fine art, timepieces, and specialty gear like high-end bicycles—leaving you severely underinsured during a loss. We establish true "agreed value" schedules with worldwide coverage, zero deductibles where applicable, and "mysterious disappearance" protection to ensure your most treasured personal possessions are fully covered.
Liability
In a litigious environment, standard $1M or $2M liability limits are dangerously insufficient for high-net-worth individuals. We structure high-limit excess liability (umbrella) policies—often up to $10M or higher—to aggressively shield your personal net worth, future earnings, and family assets.
Antique & Classic Motorcars
Classic and collector vehicles appreciate over time, making standard depreciating-value policies completely obsolete. We establish guaranteed agreed-value frameworks and flexible mileage allowances that reflect the true historical and market value of your garage.
Private Family Cyber & Data Breach
High-net-worth households are increasingly targeted by cyber criminals, identity theft, and online extortion. We integrate specialized private client cyber coverage that protects your family against digital fraud, online extortion, ransom events, and personal data breaches.
​​​​I review every policy in your portfolio — homeowners, condo, seasonal,auto, watercraft, rental, scheduled valuables, umbrella liability, andspecialty coverage like cyber breach — checking limits, exclusions, and gapsagainst how you actually live.​
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Prefer ongoing oversight to a one-time review? Ask about UNsurance or the Insurance Controller
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Ready for a second opinion?
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