What are you protecting?
Insurance is about more than selecting a policy. Understanding the risks surrounding your home, business, assets and lifestyle can help you make more informed decisions about the protection you may need.
Protection for the life you’ve built.
Open any category below to explore a common exposure, the coverage that may be relevant and why the issue deserves consideration.
01
Home & Property
Damage to your home
Fire, severe weather, theft and other events may result in significant damage to your home, belongings or additional structures.
Homeowners Insurance
Homeowners coverage can include protection for the residence, personal property, additional living expenses and personal liability.
Rebuilding can be costly
Construction costs and replacement requirements can change over time, making appropriate limits an important part of a coverage review.
02
Auto
Accidents & liability
A serious automobile accident can involve vehicle damage, medical expenses and significant liability to others.
Personal Auto Insurance
Depending on the policy, protection may include liability, collision, comprehensive, uninsured motorist and other available coverages.
Liability can exceed vehicle value
The financial exposure from an accident may extend well beyond the cost of repairing or replacing the automobile itself.
03
Flood
Rising water
Heavy rain, coastal conditions and other flooding events can cause substantial damage to a residence and personal property.
Flood Insurance
Flood coverage is generally separate from a standard homeowners policy and may require its own policy or coverage arrangement.
Homeowners may not cover flood
Understanding where flood protection comes from can help avoid assuming that every type of water damage is handled the same way.
04
Jewelry & Valuables
High-value personal property
Jewelry, watches, artwork and collections may exceed ordinary policy sublimits or require specialized valuation.
Scheduled Valuable Articles
Certain valuables may be individually scheduled or insured under specialized valuable property coverage.
Standard limits may be insufficient
A homeowners policy may contain limits for certain classes of valuable property.
05
Boat & Watercraft
Damage & marine liability
Watercraft ownership can create risks involving physical damage, passengers, other vessels and third-party liability.
Watercraft Insurance
Specialized boat or yacht coverage can address exposures associated with ownership and operation.
Marine exposures are different
Boats and yachts can present specialized risks that may not be appropriately addressed by ordinary property coverage.
06
Personal Liability
A major liability claim
Serious accidents or allegations of negligence can create liability that exceeds the limits of an underlying home or auto policy.
Umbrella / Excess Liability
Umbrella or excess coverage may provide additional liability limits above certain underlying policies, subject to policy terms.
Assets deserve broader protection
As assets and financial responsibilities increase, liability limits deserve greater attention as part of the overall insurance picture.
Protect the business you’re building.
A business can face risks involving property, operations, employees, vehicles, customers, technology and professional responsibility.
01
Commercial Property
Damage to business property
Buildings, equipment, inventory and furnishings may be damaged by fire, weather, theft or other events.
Commercial Property
Commercial property insurance may help protect insured buildings, contents and business property, subject to the policy.
Property supports operations
Physical assets are often essential to keeping a business operating after a covered loss.
02
General Liability
Claims by third parties
Customers, visitors and others may allege bodily injury, property damage or other covered harm associated with business operations.
Commercial General Liability
General liability insurance can provide important protection for certain third-party claims.
Liability can be significant
Even one substantial claim can create legal expenses and financial exposure for a business.
03
Commercial Auto
Vehicles used for business
Business-owned or business-operated vehicles may create property damage and liability exposures.
Commercial Auto Insurance
Commercial auto coverage may address vehicles, drivers and liability associated with business use.
Business use changes the exposure
Personal auto coverage may not be appropriate for every type of business vehicle or commercial use.
04
Employees
Workplace injuries
Employees can suffer injuries or illnesses connected to their work.
Workers' Compensation
Workers' compensation can provide benefits associated with qualifying work-related injuries, subject to law and policy terms.
Employees are a core business asset
Employers also need to consider statutory requirements and the financial consequences of workplace injuries.
05
Cyber Risk
Data & technology incidents
Data breaches, ransomware, fraudulent transfers and technology disruptions can affect businesses of many sizes.
Cyber Insurance
Cyber coverage may address certain first-party and third-party costs associated with covered cyber incidents.
Technology creates new exposures
Even businesses without large IT departments may store sensitive information or depend heavily on digital systems.
06
Professional Liability
Errors in professional services
A client may allege that professional advice, services or omissions caused financial harm.
Professional Liability / E&O
Errors and omissions coverage may respond to certain allegations involving professional services, subject to policy terms.
General liability is different
Professional service claims may require specialized coverage beyond ordinary commercial general liability.
Protection for a life that requires a broader view.
Distinctive assets and more complex lifestyles can introduce exposures that benefit from coordinated, higher-limit or specialized insurance solutions.
01
Distinctive Homes
Specialized rebuilding needs
Custom construction, architectural features and premium materials may create more complex replacement requirements.
High-Value Home Coverage
Certain insurers offer policies designed specifically for higher-value and distinctive residences.
Market value and replacement cost differ
The amount required to properly reconstruct a distinctive home may not track its real-estate market value.
02
Luxury & Collector Vehicles
Specialized vehicle values
Luxury, exotic and collector vehicles may have specialized repair, valuation and parts considerations.
Specialized Auto Coverage
Depending on the vehicle and insurer, specialized auto or collector vehicle coverage may be appropriate.
Not every auto policy is alike
Claims handling, valuation and repair provisions can be especially important for distinctive automobiles.
03
Fine Art & Collections
Unique or appreciating assets
Fine art, jewelry, watches, wine and collections may require specialized valuation and protection.
Valuable Articles Coverage
Specialized valuable property coverage can provide broader protection for certain scheduled assets.
Values change over time
Regular reviews and updated appraisals may be important for certain high-value property.
04
Yacht & Watercraft
Complex marine exposures
Larger vessels can present specialized risks involving navigation, crew, equipment, liability and physical damage.
Yacht Insurance
Yacht policies may be designed for larger or more complex vessels and their associated exposures.
Marine risks require expertise
Vessel size, use, navigation territory and other factors can materially influence coverage needs.
05
Broader Liability
Higher financial exposure
Significant assets, multiple residences, household employees or other lifestyle factors may increase liability exposure.
Umbrella / Excess Liability
Higher personal liability limits may be available above qualifying underlying policies.
Protection should reflect exposure
Liability planning becomes increasingly important as assets and responsibilities expand.
06
Multiple Residences
Overlapping exposures
Primary, secondary and seasonal homes may create different occupancy, property and liability exposures.
Coordinated Property Coverage
Multiple residences can be reviewed together to help coordinate property and liability protection.
Policies should work together
Looking at each residence in isolation can make it harder to identify gaps or inconsistencies across the overall insurance program.
Start with the risk. Then consider the coverage.
Price matters, but price alone does not tell you whether an insurance program is appropriate for what you are trying to protect.
A thoughtful review considers the exposures, available limits, policy structure and how individual policies may work together.
Not sure where to start?
Tell us what you are protecting. We can have a complimentary conversation about your current insurance, your priorities and areas that may deserve a closer look.