1. Your Insurance Program Is Unkempt.

With numerous assets acquired over time, it’s common to insure them with many different programs, often leaving your assets unorganized and expensive to manage. This can lead to gaps in coverage that will only be revealed when a claim is unexpectedly denied. Our team can review your coverage and help ensure that you have a comprehensive program in place.

2. You Are Not Working With High Net Worth Insurance Specialists.

Complex insurance situations require specialized knowledge and experience. If you have a net worth in excess of $2 million, most insurance carriers may not be equipped to address your complex personal risk management needs. Brown & Brown strives to help you find solutions to fit your needs.

3. You Are Not Frequently Presented With Options.

The benefit of retaining an independent insurance agent or broker is that they are working in to find solutions to fit your unique needs. You should be frequently presented with options to organize your coverage.

4. You Are Uncertain of Your Insurer’s Financial Strength.

Always look for financial stability when choosing your insurer. It’s important your provider is strongly capitalized and will be able to pay your claims. Look for insurance companies rated “A” or “Excellent” by A.M. Best.

5. Your Home is Underinsured.

If you had to rebuild your home in today’s market, would your homeowners’ insurance sufficiently cover the expense? Our team can help you understand your property’s value and offer solutions based on insured values.

6. You Do Not Have Enough Personal Liability Insurance.

If a lawsuit puts your assets at risk, the last thing you want to worry about are insufficient limits. Make sure your liability coverage limits exceed your net worth. The Brown & Brown
team can help you determine this value.

7. You Have Not Properly Insured Valuable Collections.

Insuring high-value collections, such as fine art, jewelry, wine, antiques and other collectibles, with distinct coverage can provide broader, more flexible protection. With Brown & Brown, you have access to in-house specialists who focus exclusively on preserving the value of private collections.

8. You Do Not Know What Is Excluded From Your Policies.

Don’t wait until you have to submit a claim to learn what may or may not be covered. Our knowledgeable high net worth team can help provide complex coverage solutions.

9. You Are Paying Too Much.

There are two costs of insurance: the insurance policy itself, and the hidden costs of claims. Professionally managed insurance programs can often times be more effective at helping to protect what you value most, but may also be more affordable.

10. You Have Not Addressed Your Vulnerabilities.

Look beyond coverage. There are steps you can take with Brown & Brown to determine how to proactively reduce exposure from:

• Liability lawsuits
• Private staff
• Teenage drivers
• Flooding
• Yacht ownership
• Storms & natural catastrophes
• Threats to personal safety & security
• Independent business pursuits

Personal Insurance Team