Primary residences, secondary homes, seasonal properties, and rentals — each structured to reflect its specific location, construction, and exposure. For coastal and waterfront properties, we understand the nuances of wind, flood, earthquake, fire, and other catastrophic weather coverage. Where standard markets fall short, we can leverage our trusted surplus lines options to write bespoke, customized policies. Coverage is designed holistically, with limits and structure that reflect the true value of what's being protected.

Personal auto coverage for everyday vehicles, specialty and collector automobiles, recreational vehicles, and trailers. For clients with multiple vehicles or high-value collections, we structure coverage that reflects actual value and usage — not a one-size-fits-all policy. Agreed value, stated value, and specialty market options are considered where appropriate.

From private yachts to smaller recreational watercraft, we structure coverage that reflects how vessels are used, where they navigate, and the liability that comes with ownership. We understand the marine world from the inside — including captain and crew considerations, charter exposure, liveaboard lifestyles, and the operational nuances that come with yachting.

Fine art, jewelry, watches, wine, and other high-value personal property require more than a rider on a homeowners policy. We work with specialty markets and experienced appraisers to ensure collections are properly valued, accurately scheduled, and placed with carriers who understand what's being insured. Coverage travels with the collection and is updated as it grows.

Personal umbrella and layered excess structures designed to address the broader liability exposure that comes with owning multiple properties, watercraft, vehicles, and engaging in personal and recreational activities. Limits are set thoughtfully and excess is positioned where it belongs — not as an afterthought, but as a deliberate part of the overall coverage architecture.

Some assets don't fit neatly into standard markets — and placing them well requires both market access and underwriting judgment. We work with surplus lines carriers and specialty markets on private aviation, non-standard and catastrophe-exposed coastal properties, and other risks requiring a more disciplined placement strategy. If your exposure is complex or unusual, we have the relationships and experience to find the right home for it.

We serve a wide range of commercial clients — from small to larger businesses — across many industries. Our commercial practice includes general liability, property, E&O, D&O, workers compensation, liquor liability, and professional liability coverage for businesses. We take the same holistic approach to commercial accounts as we do personal — understanding the business before recommending the structure.

We have deep roots in the marine industry and work with a broad range of marine operators and businesses — including moorings, shipyards, marine artisans, captains, crew, cargo interests, and yacht brokerage firms. Coverage addresses liability, professional exposure, yacht brokerages, marine operator & artisan, crew and employer liability, cargo, and transactional risk across domestic and international waters. For businesses where the water is the workplace, we understand the exposures from the inside out.

For farm owners, equestrian facilities, and horse owners, we provide coverage that reflects the specific risks of agricultural property, animal ownership, and equine operations — including property, liability, and animal mortality. We have a strong carrier network in this space and genuine familiarity with the equine world, making us a trusted resource for clients whose lives include horses, livestock, and working land. Coverage may also extend to companion animals including dogs, cats, and other small pets.