This coverage provides often overlooked protection for trusted and valued domestic employees, who are the hard working individuals providing loyal and valuable service to our clients. In the past, this coverage has been hard to obtain and inevitably involved the impersonal handling of a commercial lines carrier or a government-sponsored insurer of last resort.

Offers broad coverage for claims resulting from hired domestic employees such as housekeepers, nannies, au pairs, landscapers, drivers, and personal assistants. Coverage includes:

• Punitive damages coverage, where insurable by law
• Defense expenses coverage for breach of written employment contract claims
• No “intentional acts” exclusion, subject to applicable state law
• Advancement of defense expenses on a current basis prior to the disposition of a claim
• Broad definition of “Employment Practices Wrongful Act,” including coverage for actual or alleged wrongful termination, discrimination, harassment, retaliation, third-party discrimination, third party harassment, and other workplace torts

Cyber insurance generally covers liability resulting from a data breach involving sensitive information, such as Social Security numbers, credit card numbers, account numbers, driver’s license numbers, and health records.

Coverage also includes:

• Legal fees and expenses
• Restoring personal identities
• Recovering compromised data
• Repairing damaged computer systems and electronic devices

Home Systems Protection assists homeowners in the event of a mechanical failure to a system servicing your home. Unfortunately, many homeowners assume they are protected by warranties or service contracts when heating, air conditioning, hot water, or electrical systems fail, but often find no coverage exists to repair or replace the damaged system.

Your significant assets and unique lifestyle—arising from factors like owning multiple homes, employing domestic staff, and more—expose you to an above-average number of liability risks. Lost lawsuits hold the power to threaten not only your existing wealth and future earnings but also the legacy intended for future generations. Personal Excess Liability insurance can help protect that legacy against claims of personal injury, bodily injury, and property damage worldwide.

Coverage for Defense Costs. Legal defense costs are covered and do not reduce the amount available to pay damages. This includes claims of bodily injury, defamation, libel, slander, wrongful entry or eviction, emotional distress, and more. You will have the ability to choose representation from among a panel of trusted attorneys and defense counsel.

Fewer Out-of-Pocket Expenses. Coverage picks up at the dollar amount where your primary insurance policy (Homeowners, Automobile, or Watercraft) ends, reducing coverage gaps and out-of-pocket expenses. And drop-down coverage feature means that you’re protected for an entire covered loss, even if the underlying policy does not apply or is not required.

Not-for-Profit Directors and Officer Liability Coverage. 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. 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.

Uninsured Motorist and Uninsured Personal Liability Coverage. You can also purchase Uninsured Motorist and Uninsured Personal Liability Coverage to protect against injuries or damages caused by an at-fault third party.

Coverage for a range of crisis perils, including kidnapping, extortion, assault (known as an active shooter or workplace violence), and more.

Protecting you and your loved ones globally is more critical than ever. Kidnapping and ransom coverage is available for a range of crisis perils, including kidnapping, extortion, assault (known as an active shooter or workplace violence), and more.

Despite your best efforts to avoid them, unexpected incidents can turn your vacation adventures upside down. Accidents, illnesses, injuries, canceled flights, lost luggage, and bad weather can derail even the most carefully laid travel plan.

Whether it’s a weekend trip to a luxury spa, a golf getaway to your favorite out-of-state course, or a cross-country tour abroad that’s taken years to save for, travel is a part of your life. Easily navigate travel obstacles with a flexible travel insurance plan.

The possessions you keep may be worth so much more than dollars and cents. Whether you have a vast and carefully curated art or wine collection, one or two pieces of precious jewelry or something in between, ample and customized protection is critical.

Fair Pricing that Rewards Responsibility. High net worth insurance companies offer fair pricing that rewards responsibility. They aim to charge the right price one that represents the true risk of loss, and not the highest price the market will bear. They take great care to cover your valuables’ risk precisely, and at prices designed for sustainability. This focus on the true risk of loss rewards your responsible behavior. Other factors such as updated appraisals, well-protected home safes, security systems, and a diversified valuables schedule can increase your policy savings even more.

Flexible Coverage Options. A policy allows you to choose the right type of coverage for your collection—scheduled (itemized) coverage for a collection of items with known values or blanket coverage for a wider collection of lower-value items. And no matter which type you choose, you’re covered worldwide.

 The Concierge Assistance. The concierge assistance of a licensed claims representative assists in searching tirelessly for replacements for lost or damaged items. Whether this means scouring auction sites, locating a jeweler on a remote island, or commissioning a new piece from a well-known artist.

 Protection Against Market Increases. A licensed claims representative can also help you schedule regular appraisals to adjust your limits in response to market fluctuations. Plus, if an item’s market value has surpassed your coverage amount at the time of a loss, they will pay losses up to 150% of the item’s scheduled value.

 Flexibility for Newly Acquired Items. You can take up to 90 days to schedule newly acquired items and still know that they’re covered.