Valuable Articles

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With significant assets comes substantial liability exposure, especially in today’s litigious society. If you own multiple homes, cars and watercraft, employ domestic staff, sit on nonprofit boards or have other unique lifestyle characteristics, you may be at risk.The liability coverage included in your personal homeowners, auto and recreational vehicle policies is considered primary insurance and applies first in the event of a claim, but often that coverage isn’t enough.Coverage Beyond Standard LimitsExcess liability, or umbrella coverage, provides protection after primary coverage limits are exhausted. If you face a claim without enough insurance, your personal assets are exposed. One personal liability lawsuit can potentially leave you responsible for settlement costs and exorbitant legal fees regardless of the outcome.Personal liability protection is an important part of financial planning — especially if you have significant assets to protect. As a leading high-net worth personal lines insurance brokerage, we’ve developed a group excess liability program to provide exceptional coverage that costs significantly less than an independent policy.An excess liability policy – also known as an umbrella policy – supplements your basic personal liability coverage provided under homeowners and auto policies to better protect you from large losses.Excess uninsured/underinsured liability coverage offers protection when and where present programs fail to meet your individual needs. If you or a member of your family becomes involved in an accident in which someone else is responsible, this coverage reimburses you for damages.Covered damages include: Loss of income Future earnings Short-term and long-term medical expenses Pain and suffering Your risk tolerance Identifying the risks you are subject to, the probability that those risks will occur and the potential magnitude of loss associated with the risks Your financial situation and the impact the loss would have on your financial position The extent to which underlying insurance policies would respond to the identified risks How much premium you’re willing to pay to mitigate your exposure to the identified risksFinding the Right Limit for YouIn the realm of personal property and casualty insurance, excess liability has the lowest ratio of premium to maximum claim payout and your defense costs are not subject to the policy limit.Excess liability limits are a judgment call and setting the right limit for you will depend on many factors, including:Ensure Your Family Is ProtectedYour policy covers the person named in your certificate along with that person’s spouse or domestic partner, any relative by blood, marriage or adoption who is a resident of the same household, and any person under age 25 in the care of a covered person — as long as your children claim your household as their primary residence when they’re not at college, they’re covered.Adding excess liability coverage to a primary policy is not a one-size-fits-all situation, and failure to match the excess and the primary or underlying policy can have significant coverage ramifications, including possibly leaving the client personally exposed for any uninsured gap.Our liability experts have the experience to put the best plan in place that'll help protect your well-being.

Reinforcing everything you've worked for.

Like many, your house is your most valuable asset. If disaster strikes in the form of fire or weather damage, paying out-of-pocket for a replacement is likely unrealistic. That’s why finding the proper homeowners insurance coverage is so important.Homeowners insurance includes dwelling coverage against damage or destruction to your property, including your home, yard and personal belongings. Homeowners insurance includes protection for your house and other structures – like a shed or fence – against disasters like wind, hail, lightning, freezing and fire. Plus, in the case of severe damage, it will cover the cost for you to live elsewhere while your house is being repaired.Personal property such as clothes, jewelry and collectibles are also covered under homeowners insurance. So your policy will cover the cost to repair or replace those personal belongings if they’re lost or damaged. Another key aspect of many coverages is personal liability, which covers policy holders in situations where someone else experiences an accident or injury on their property.Although homeowners insurance protects you against a wide variety of disasters, many policies don’t include coverage against floods, earthquakes or hurricanes. However, separate coverages can be purchased to protect you against these risks.The cost of homeowners insurance varies, depending on how much coverage you want to purchase, which is based on how much it would cost to rebuild your home. You also want to consider how much it would cost to replace your belongings, as well as how much personal liability you want to cover.Our personal homeowners insurance specialists work with you to identify potential exposures to loss, and provide recommendations on the appropriate coverage specific to for your needs. Our expertise extends even further and can apply to the unique needs when insuring condos and co-ops as well as secondary and seasonal homes.Coverage highlights include: Guaranteed replacement cost (where applicable) Additional living expenses after a covered claim Risk and claims management programs Claims advocacy Talk to us today to ensure that, no matter the risk, you always feel at home.

Live confidently.

What do you want to accomplish and by when? How much risk can you tolerate, emotionally or financially? What do you need to live your life the way you want now and in the future?Your portfolio should combine your unique ambitions with an approach designed to grow returns and reduce risks. And you need a team that can be there with you through each phase of your investment progression. Our advisors know what you should be thinking about, from the big picture to the smallest details. As your life and financial situation evolve, so will your objectives. We’ll regularly assess your circumstances and offer new insights and strategies so you can stay on track.Maximizing Your PortfolioAn effective asset allocation strategy considers time horizon, cash flow, risk tolerance and return expectations, plus external factors such as ever-changing markets. We can provide insights and recommendations for standard and advanced opportunities forged through extensive research across investment managers, mutual funds and investment vehicles.