Homeowners
Our Homeowners policy can be customized to address your client's needs. Our program includes:

• Guaranteed Replacement Cost - In the event of a loss, we will rebuild the home, even if it costs more to rebuild than the policy limit.
• Replacement Cost for Contents - We will pay the cost to replace your client's belongings in today's market without a reduction for depreciation.
• Full Cash Settlement - All policyholders have the option to have their claims settled in cash, without any obligation to replace lost items or to repair damaged property.
• Other Coverage Features:
  • Excess flood coverage
  • Worldwide coverage for personal property
  • Enhancements, such as coverage for the breakage of fragile items and damage caused by domestic pets
  • Landscaping coverage for up to 5% of the home or contents coverage - higher limits are available
  • Unlimited coverage for additional living expenses should your client's home become uninhabitable after a loss. Some of our insurers will even provide coverage for up to 30 days of forced evacuation due to the treat of a covered loss. Coverage may vary in California and Florida.

Additional Coverages:

• Agreed Value - We will agree on the value of a vehicle before a total loss occurs, which also removes incremental depreciation during the life of the policy period.
• Automatic coverage for newly acquired vehicles.
• Optional increased coverage for loss of use, to help rent a luxury vehicle while the primary vehicle is being repaired or replaced
• Full glass window coverage with no deductible
• The freedom to choose any auto repair facility
• The ability to obtain replacement parts from the original manufacturer
  

Excess Liability
The greater your client's net worth, the more important it is to have personal liability coverage. Yet, obtaining ample coverage has proven to be extremely difficult and expensive - until now.

• Broad Coverage - Extensive worldwide coverage for personal injury (including libel and slander) and property damage, with significantly broader protection than most traditional policies
• High Limits - Up to $100 million in Excess Liability coverage, backed by the highest ratings for financial strength and claims paying ability of the member companies of American International Group, Inc. (AIG)
• Extraordinary Defense Coverage - Clients have choice of an exclusive Panel Counsel, a nationwide panel of preeminent litigation defense specialist. Also included is our Expanded Defense Coverage, which reimburses for expenses incurred for retaining private counsel to follow your client's defense
• Employment Practices Liability Coverage - Protect policyholders who employ part-time and full-time domestic staff against allegations of employment-related offenses such as sexual harassment, wrongful termination and discrimination
  

Private Collections
Our insurers can provide your clients with precisely the coverage they need to protect their precious collections. Our flexible, worldwide coverage is ideal for art, jewelry, antique furniture, vintage wine and other fine collectibles.

• Automatic Coverage for Newly Acquired Items - Automatic coverage for 25% of the amount scheduled - up to $1 million for newly acquired items (including jewelry) for 90 days.
• Art Collection Management Services - Comprehensive and professional collection maintenance programs to help preserve and enhance the value of your client's fine collectibles.
• Flexible Options for Damage to a Pair or Set - If one item in a pair or set is damaged or lost, your client may choose from the following settlement options:
  • Repair or replace any part to restore pre-loss value
  • Receive the difference between market value before and after the loss