Private Client Advisory
Structured Protection for Significant Personal Assets.
Affluent households often carry exposure that extends well beyond standard policy forms.
Integrity Insurance & Risk Management provides disciplined private client advisory designed to coordinate complex personal risk across residences, vehicles, watercraft, collections, and layered liability.
Protection is structured deliberately — not assembled transactionally.
Affluent households often carry exposure that extends well beyond standard policy forms.
Integrity Insurance & Risk Management provides disciplined private client advisory designed to coordinate complex personal risk across residences, vehicles, watercraft, collections, and layered liability.
Protection is structured deliberately — not assembled transactionally.
Coverage Architecture
High-value properties and complex personal exposure require thoughtful design and coordination.
Programs may include:
• High-value homeowners coverage
• Secondary and seasonal residences
• Condominium and cooperative residences
• Personal umbrella and excess liability
• Collector and specialty vehicles
• Watercraft and recreational exposures
• Scheduled valuables and collections
• Excess flood and wind solutions
Coverage is structured cohesively to reduce fragmentation across carriers and policy forms.
Liability Often Exceeds Property Risk
For many households, liability exposure is the primary concern.
We evaluate:
• Personal umbrella thresholds aligned with asset concentration
• Multi-property liability stacking
• Driver risk within the household
• Domestic staff exposure
• Entity-owned residences
• Recreational exposure
Protection is layered with precision to align with overall net worth and exposure profile.
Asset Coordination
Significant personal assets often intersect with business ownership, real estate investments, and multi-state exposure.
Programs are designed with consideration for:
• Entity structuring
• Trust ownership
• Multi-residence coordination
• Out-of-state property exposure
• Umbrella threshold continuity
Insurance must reflect structure — not simply asset value.
Carrier Alignment
Private client advisory is supported by financially strong carriers known for underwriting discipline and claims performance.
Carrier relationships are structured intentionally to support long-term stability and responsive service.
A Discreet, Measured Approach
Private Client relationships are developed carefully and handled with discretion.
We work with households who value structured protection and long-term alignment over periodic remarketing cycles.
Consultations are handled directly and confidentially.