Our practice is built around the process of assisting businesses owners and families protect their lifestyle and financial wellbeing. We do this by providing a consultative approach to insurance planning, coverage placement, and administration of quality insurance products. We're not captive or limited to one insurance company.

As a professional service provider you are on the line each day in your profession; the threat of a liability exposure is always there regardless of actual liability. Do you want the defense costs to be within or outside the coverage limits? Do you want the right to select your own legal defense counsel or are you comfortable letting the insurance company do it all for you? These are essential considerations that will make a difference in the event of a claim.

Directors & Officers coverage is essential in protecting the members of the board who can be held personally and financially liable for actual or alleged breach of duty in the course of managing the affairs of the organization. Having adequate coverage, deductibles and retention limits is important in ensuring the financial wellbeing of the organization and its board members.

Employment related claims create their own set of exposures, from sexual harassment, work place discrimination, wrongful termination to breach of contract, any of these can easily give way to a serious financial loss. The cost to defend one of these claims can place the organization at a financial loss regardless if the claim is alleged or actual.

Technology has fundamentally changed the way we do business, from computers to the internet, more and more business processes are being automated. More private and confidential data is being stored on servers in and out of the business place. These changes together with legislative regulations have also created a variety of risks and exposures that can jeopardize the reputation and financial wellbeing of your organization.

Kidnapping of key personnel or an employee as well as extortion are real and considerable threats to companies doing business abroad and in domestic markets. How would your management team respond in such an event? A Kidnap and Ransom policy is essential towards mitigating and managing such a crisis.

The ease and need to do business internationally has expanded and with it new exposures in foreign countries where your U.S. based insurance policies will typically not cover you. From employees sustaining injury abroad to general and auto liability exposures when your team is in a foreign country, the risks and exposures are there. How do you manage these risks when your domestic policies will not extend coverage?

Whether you are organizing a corporate event, a festival or film screening, a wedding or birthday celebration, we can assist you with your special event insurance needs. Coverage can be purchased for one day or as needed. We can assist you in structuring a policy that meets the venue/landlord requirement as well as protect you and the organization from potential risks and exposures that may arise at the event.