Getting a referral is the best compliment we could ask for, and it always feels great to know that our hard work has paid off. After all, referrals are the lifeblood of any business, and they’re how we continue to grow and thrive.
Mailing Address
Suite 201,
| Monday | 9:00 AM - 5:00 PM |
| Tuesday | 9:00 AM - 5:00 PM |
| Wednesday | 9:00 AM - 5:00 PM |
| Thursday | 9:00 AM - 5:00 PM |
| Friday | 9:00 AM - 5:00 PM |
| Saturday | Closed |
| Sunday | Closed |
Frequently Asked Questions
Don’t see your question? Contact us.
The policy must reflect how the property is owned. The trust or LLC, its trustees or members, and the family members who live in the home should be properly named on both the home policy and the umbrella. Mismatches between ownership and coverage are a common and easily fixed gap.
Personal cyber insurance helps families recover from cyber extortion, fraud, identity theft, data restoration, and online harassment. Depending on the policy, it may cover some social engineering and wire fraud losses, which are increasingly common among affluent families. Coverage is often available as an endorsement to a high-net-worth home policy.
Families who employ nannies, house managers, chefs, or other staff should consider workers’ compensation, employment practices liability, and appropriate auto coverage. Florida does not require workers’ compensation for most domestic employees in private homes, but an injured employee may otherwise pursue the family directly.
A personal umbrella sits above your home, auto, and watercraft liability coverage and pays once those limits are exhausted. It may also cover certain claims the underlying policies do not, such as libel and slander, and typically pays legal defense costs. Umbrella policies generally exclude business activities, owned aircraft, and employment practices claims.
Many advisors suggest a limit at least equal to your net worth, adjusted for future earnings and specific exposures such as pools, docks, boats, rental properties, teen drivers, household staff, and public visibility. Private client carriers commonly offer umbrella limits of $10 million or more, with excess layers available above that.
Read: How much liability protection does a high-net-worth family need?
The owning entity, the operator, and any management company should all be properly named on the policy. If the aircraft is placed on a charter certificate, the owner’s and operator’s coverage must be carefully coordinated, including waivers of subrogation and additional insured requirements from airports and lenders.
Usually not. Most personal umbrella policies exclude owned aircraft, so the aviation policy itself must carry the liability limits you need. We coordinate aviation coverage with the rest of your program to avoid gaps.
A pilot warranty specifies who may fly the aircraft and the qualifications they must meet, such as total flight hours, hours in type, recurrent training, and medical certification. If the aircraft is flown by someone who does not meet the requirements, coverage may not apply, so always confirm before adding a pilot or changing operators.
A combined single limit provides one total amount of liability coverage for bodily injury and property damage from a single occurrence. Business jet owners commonly carry limits well into eight figures. Policies with per-passenger sub-limits can significantly restrict protection and should be reviewed carefully.
Aircraft policies typically include hull coverage for physical damage to the aircraft, usually on an agreed value basis, and liability coverage for bodily injury and property damage to passengers and others. Options can include loss of use, spare parts, hangar keepers coverage, and medical payments for passengers.
Usually not. Personal yacht policies typically exclude charter use. If you charter your vessel to others, even occasionally, it needs to be insured for commercial charter operations, including appropriate liability limits and crew coverage.
Injuries to professional captains and crew are generally governed by maritime law, including the Jones Act, rather than state workers’ compensation. Crew coverage, often called maritime employers liability, can be included in a yacht policy or written separately, and it is important for any owner who employs crew.
