INDUSTRIES
A family office carries risk a typical business doesn’t — the people managing the family’s assets, the staff working in their homes, the privacy the family depends on. We build insurance programs around the full picture, not just the investments.
The people managing family assets and entities can be held personally liable for decisions made in that role, separate from the family's personal wealth.
A high-profile family is a real target for cyber incidents, and a breach threatens privacy as much as it does finances.
Real estate, art, collections, and other significant personal property often exceed what standard homeowners coverage is built to handle.
Public profile and visible wealth can create genuine physical security risk for family members.
Nannies, drivers, house managers, and other household employees create real workers' compensation and employment practices exposure, often overlooked.
Family business activities, public visibility, and even a single mishandled incident can carry reputational consequences beyond the direct financial loss.
Loop us in early — high-value and high-profile exposures are easier to insure correctly before they’re already in place.
Personal, business, and fiduciary exposure often overlap in ways a standard business or personal policy wasn't built to address — our recommendations account for that full picture.
Every recommendation is made with discretion in mind, not just coverage limits.
When something happens, we advocate for the family through the entire claims process — not just at renewal.
We tailor coverage to a family's full circumstances, and we treat every conversation with the confidentiality it deserves.
1
We learn the family's structure, properties, staff, and current coverage and claims history — with discretion throughout.
2
We identify gaps — fiduciary exposure, high-value property, household staff coverage — before they become a problem.
3
We place your program with carriers experienced in high-net-worth and family office risk, balancing coverage, service, and privacy.
4
We review your program as the family's holdings, staff, and structure change, and support you through claims when they arise.
A family office typically needs a combination of fiduciary liability, D&O for those managing family entities, high-value personal property coverage, household staff coverage, and often kidnap & ransom protection — exposures that fall outside what a standard commercial or homeowners policy is built to address.
Generally yes — anyone making management or fiduciary decisions on behalf of family trusts or entities can be named personally in a claim tied to those decisions. D&O and fiduciary liability coverage protect those individuals separately from any coverage on the family’s assets themselves.
The employment relationship is similar in the eyes of the law — workers’ compensation and employment practices exposure both apply — but the setting (private residences, family schedules, close personal access) creates risk considerations a standard small-business policy usually isn’t designed around. We structure this coverage specifically for household employment.
Kidnap & ransom coverage responds to extortion, kidnapping, and related incidents, and typically includes access to crisis response professionals, not just financial reimbursement. Whether a family needs it depends on public visibility, travel patterns, and other factors we review as part of a broader risk assessment.
We work with carriers who specialize in scheduling and valuing significant personal property accurately, so a piece isn’t underinsured relative to its real value — and we review these values periodically rather than letting them go stale.
You contact us directly — we manage the claims process on your behalf with the same discretion we bring to every other part of the relationship, advocating for the family through investigation and resolution without unnecessary exposure.
