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Insurance Review

Nonprofit Board Service: Why Personal D&O Coverage Matters

Successful individuals often give generously not just with their wealth, but with their time and expertise through nonprofit board service. While these contributions create meaningful impact, they also create personal liability exposure that many board

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Insurance Trends

Why Insurance Companies Are Getting Tough on Roofs

Property insurance companies are taking an increasingly hard line on roof coverage, and homeowners are feeling the impact through higher deductibles, reduced coverage, and stricter age restrictions. Understanding what’s driving these changes helps you navigate

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Premium Carriers

Why Your Luxury Car Deserves Luxury Insurance

When you invest in a luxury vehicle, you expect quality, performance, and attention to detail. Your auto insurance should reflect that same philosophy. Yet many luxury car owners carry standard coverage that treats their $80,000

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Insurance Review

How Much Umbrella Coverage Do You Really Need?

Determining the right amount of umbrella insurance coverage is one of the most common questions clients ask. As we discussed in our recent expert panel on excess liability insurance, there’s no one-size-fits-all answer, but there

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Insurance Trends

Real Solutions from the Non-Admitted Market

When standard insurance carriers can’t accommodate your unique situation, creative solutions become essential. At Brunswick Private Client, we’ve helped numerous clients navigate these challenging waters through the excess and surplus (E&S) market, finding protection for

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family silhouette
Handling Claims

Insuring Co-Owned Non-Rental Property

A client recently bought a home for his parents to live in. Both his parents’ names as well as himself and his spouse were listed on the deed to the home. The parents insure the

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mug split in half
Audit Results

Splitting Assets Includes Insurance

After reviewing a client’s portfolio, we realized the ex-husband was still on all of the policies even though they no longer lived in the same home and assets had been divided. They hadn’t thought to

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high end closet
Coverage Limits

Insuring Your Closet? Yes!

In the event of a disaster, homeowners insurance will pay the agreed amount to rebuild or repair the home. But what about the things inside the home? Anything in your closet that isn’t jewelry or

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maid with cleaning supplies
Handling Claims

Accused of Wrongful Termination

Many clients have the ability to hire personal staff to help make life easier. Housekeepers, nannies, caretakers, and personal assistants are all wonderful resources for busy families. But if the employee is hired directly (no

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brick pool house
Audit Results

The Correct Value of “Other Structures”

Homeowner’s policies cover the “Dwelling” (the main home structure) and then separately provide coverage for “Other Structures” (those not attached to the main home) which can include: detached garages, guest homes, sheds, fences, pools/pool houses,

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art collection on gallery wall
Premium Carriers

Art Collections Need More Than Just Insurance

Certain carriers go above and beyond for their clients with high-valued art and collectibles. They can provide services like transportation recommendations when moving art on loan to a gallery or museum, advice on how to

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a pile of letters
Insurance Review

Not Licensed In That State

Insurance agents must be licensed in every state they place business in. Often times an agent will not be licensed or have the carrier options outside their home state. This becomes an issue when your

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broken laptop and dollar bills
Handling Claims

Phishing Scammer Steals Deposit

Hackers are getting more sophisticated by the day. Having the proper protection to come to the rescue in times of a breach is priceless. Several of our carriers offer a standalone personal cyber policy that

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brick wall with a crack
Insurance Review

Do You Need Earthquake Coverage?

Do your clients have earthquake coverage in their homeowner’s insurance policies? A select few may, but most policies exclude damage caused by earthquakes. Some carriers offer earthquake coverage that can be purchased as an endorsement

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luxury condos
Insurance Review

Even Renters Need Umbrella Liability Coverage

With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with

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Piggy Bank
Handling Claims

How to Lower Your Homeowners Insurance Premium

Though a successful client had never turned in a claim for anything under $10,000, they had left their homeowners policy deductible at $250 for many years. But by having their deductible so low, they were

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Confused Potatoes
Handling Claims

Claim Hot Potato

One of our new clients discovered no one was his advocate during the claim process with his previous carrier. Having an accident is already a challenge, but it’s compounded when you discover you must manage

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Audit review
Audit Results

Trustee & Endorsement Insurance

I just experienced something that needs to be shared. Our new client has been a trustee for years. In his role, he is responsible for a challenged, but independent adult. Our insurance audit uncovered that

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