Additional Coverages

Choose from optional additional insurance products to further customize coverage for your specific needs.

Complete insurance protection, to safeguard you and your lifestyle.

Specialized insurance needs, require custom crafted insurance programs.

In addition to high value homeowners insurance and auto insurance our Private Client Group offers protection for more complex risks.

Choose from a selection of comprehensive policy add-ons to complete your insurance program.

Planning for the Unexpected

Those with significant assets have more at risk. In today’s world, everyday activities such as online banking or sending an email, can expose you cyber criminals or extortion. Employing a housekeeper, a nanny or serving on the board of a corporation, could lead to being named in a lawsuit. Protect your financial security with optional products suited to your unique risk profile.

Accidents happen. A guest slips and falls at your pool, you have a car accident, you’re named in a lawsuit. Also referred to as an Umbrella, Excess Liability Insurance provides an added layer of protection when the underlying liability limits of your other policies have been reached.

Cybercrime is on the rise and cybercriminals increasingly target accomplished individuals, as they represent a larger potential profit. Protect yourself and your family from the devastating effects of Identity theft, hacking, phishing, extortion, and other cybercrimes with comprehensive cyber fraud insurance.

If you employ full-time domestic employees such as a nanny, housekeeper, personal chef or gardener, Domestic Employee Insurance protects you from the exposures you face as an “employer”. Domestic Employee Insurance is a necessary coverage in addition to your existing personal excess liability (umbrella) policy and protects you from claims of harassment or wrongful termination. If an employee becomes injured in your home, workers’ compensation insurance would cover their medical bills and lost wages. (Workers’ Compensation is a state required coverage for anyone with full-time employees. )

Not-for-Profit Director’s and Officers (D&O) Liability Insurance

Board members can be held liable for the actions or inaction of the organizations they serve, including accusations such as wrongful termination and breach of fiduciary duties. Our optional Not-for-Profit Directors & Officer Liability coverage protects you as you act in your capacity as an officer for a qualifying not-for-profit organization.