All homes deserve high-end protection. We offer specialized coverage solutions not available with mass-market insurance.

Guaranteed Replacement Cost
Coverage is extended beyond the policy limits if you need to rebuild or restore your home after a loss.

Replacement Cost for Contents
Provides the full amount needed to replace damaged personal property.

Deductible Waiver
You pay no out-of-pocket deductible on losses greater than $50,000

Additional Living Expense
You’ll be provided comparable temporary housing if you are displaced from your home due to a covered claim.

Mortgage Expense
After a covered loss, your mortgage payments are covered during the restoration period for up to one year.

Exceptional Claims Service
Our carriers typically contact you within 24 hours of a reported loss.  In many instances payment can be issued within 48 hours of settlement.

We offer solutions that allow you to be fully covered, no matter what type of vehicle you own. You can pick and choose the options that work best for you.

Agreed Value Loss Settlement
When your policy is issued, we’ll work with you to determine a fixed amount you will be paid in the event of a total loss, regardless of depreciation and without a deductible.

Original Replacement Parts
If your car can be repaired, we will help ensure that they are performed to the highest standard. Your policy covers the full cost of original equipment manufacturers’ (OEM) parts.

Rental Car Coverage
If you need a temporary car while yours is being fixed after a covered loss, you’ll be able to choose one that fits your needs.

Temporary Emergency Living Expense
If you experience a covered loss more than 50 miles from home, you’ll have coverage to pay for meals and lodging while your vehicle is repaired.

Solutions to cover all of your special items; from jewelry to artwork, china, wine and antiques, we can help safeguard your most prized possessions.

Flexible Coverage Options
Choose itemized (scheduled) coverage for items with known values, blanket coverage for a wider collection of lower-value items, or a combination of both.

Market Value
Pays up to 150% of the amount of your itemized coverage if the cost to replace an item exceeds the scheduled coverage.

Worldwide Coverage
Your valuables are covered at home and across the globe.

Your success and assets expose you to a greater number of liability risks, and a lost lawsuit can threaten not only your existing wealth and future earnings, but also the legacy you plan to leave for future generations.

High Limits of Cover
Liability limits up to $50 million are available.

Defense Costs
Unlimited legal defense costs for claims of personal injury and property damage are covered—even if the suit is groundless, false or fraudulent—and do not reduce the amount available to pay damages.

Specialized Liability Coverage Offerings
In certain situations a more specialized personal liability policy can help further protect your assets.  Coverages available include:

• Excess Uninsured/Underinsured Motorist Liability
• Not-for-Profit Directors and Officer Liability
• Domestic Employment Practices Liability

Whether you own a sailboat, powerboat, or luxury yacht, we have comprehensive solutions to cover any type of vessel.

Agreed Value Loss Settlement
Pays the hull coverage amount listed on your policy in the event of a total loss.

Emergency Towing and Assistance
If your vessel becomes disabled, you’re covered for towing and emergency assistance costs.

Hurricane Haul-Out
You’ll be reimbursed for costs incurred to move and store a vessel in order to keep it from being damaged by a named storm.

Uninsured Boater Liability
Coverage for bodily injury experienced by you and any passengers on your vessel who are injured by an uninsured vessel.

Solutions to cover most types of vehicles and toys; Recreational Vehicles, Motorcycles, Golf Carts, All-Terrain Vehicles, and more.

Personal Excess Liability insurance is a critical but often overlooked component of personal risk management. It provides additional protection that is designed to apply should the costs of a lawsuit or damages exceed the liability limits of their primary policies for home, automobile, watercraft, and recreational vehicles.   

Highlights include:

• Allows individual participants to purchase coverage at a group rate
• Participants can easily sign up through their group’s unique and secure website
• Coverage is available in $5 million increments, up to $30 million
• Offers greater protection from personal liability suits than is generally available in the open individual insurance market
• Offers higher limits and broader categories of liability coverage that can be customized for each individual’s unique needs

Enhanced coverage includes:

• $1 Million of Uninsured/Underinsured Motorists Liability Personal Injury
• $10,000 for Private Counsel of Client’s Choice to Review and Consult on a Covered Loss
• Liability Coverage for Volunteer Work for a Nonprofit/Charitable/Religious/Community Group
• $100,000 for Kidnap and Ransom
• $25,000 for Identity Fraud
• Unlimited Defense Costs

Learn more here.