Overview

You need to ask...

  What can go wrong?
  What can we do to prevent it or minimize its effect?
  Who or how will we pay for it?

Personal Property & Casualty exposures can be potentially exorbitant, and should be a part of a complete financial analysis.

Uninsured or underinsured losses will have to be paid out of personal funds.

Experienced collaboration in the selection of policies and periodic review of policies will result in consolidation of expenditures and peace of mind.

Industry sources suggest that a team of trusted advisors includes non-sales P&C insurance professionals. These consultants, specializing in reviewing and coordinating coverages for family offices and affluent individuals, offer the best unbiased results for clients.

In addition to removing the conflict of interest (perceived, if not real), fee-based insurance consultants have insights that can prove valuable beyond those who are working 'for the sale.'