Case Studies - Personal Risk Management
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High Fire Risk
Most insurance agencies historically were unwilling to underwrite fire coverages for homes located in high brush propensity areas. Therefore, our client's fire coverage was under a non-standard home policy through Lloyds of London, while their supporting auto, scheduled property and umbrella policies were scattered among various insurance carriers. The lack of alternatives for fire coverage limited our ability to optimize pricing of premiums and mitigate risk for our client.
The financial adviser to a high net worth couple referred his clients to us for a complete, complimentary review of their personal insurance coverages. At the time, the couple's insurance was from the standard market, which does not provide the unique coverages typically needed by high net worth individuals.