Coordinated Risk Management and Insurance Planning Services

Protecting the life you and your family have worked so hard to build

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What Type of Protection Do I Need? How Much is Enough?

An unfortunate truth about life is that it can change in a moment. Having the right insurance coverage and asset protection strategy helps mitigate the financial impact of unforeseen events such as premature death, accidents, lawsuits, and natural disasters. That’s why we incorporate insurance planning and risk management into your overall financial plan.

Our advisors help you understand your current level of risk exposure and offer personalized solutions to protect the vulnerable areas of your financial life.

  • Comprehensive insurance reviews for you, your family, and your business
  • Advanced asset protection strategies and structures
  • Policy selection, coordination, and execution

Insurance is an invaluable tool for protecting your family’s wealth from life’s “what ifs,” now and in the future.

Headshot of Jeff Paladini, Partner

The two worst decisions you can make with insurance are to overbuy or underbuy. That is why we are here.”

Jeff Paladini, Partner

Acting in Your Best Interest—Today and Always

Conversations about insurance often involve sensitive topics such as death, disability, accidents, and lawsuits. You need an advisor who understands your unique financial challenges and will provide objective advice. That’s Cerity Partners.

Insurance brokers and agents are subject to the suitability standard. We are held to a higher standard of care. We are fiduciaries, which means our advice is driven solely by your goals and not by commissions.

Simplify the Process and Ease Your Concerns with Our Risk Management and Insurance Planning Services

Affluent individuals and families have unique insurance needs: estate, business, personal watercraft and aviation, fine art and jewelry, household employees, and threat of extortion, to name a few. Managing and coordinating these policies with multiple agents to ensure you have the proper safeguards can be an overwhelming, time-consuming, and potentially costly process.

Our advisors have a vast and deep understanding of the insurance industry, which enables them to identify strong financially-rated providers for your personal and business circumstances, and secure some of the most competitive terms and pricing. Beyond insurance, they work with you to put the structures in place to help shield your assets from the risks that come with wealth.

  • Coordinate your business and personal insurance with your employer-provided benefits to avoid any gaps or overlaps in coverage
  • Integrate your insurance policies with your estate plan to make sure they’re in alignment
  • Evaluate how your assets are titled to maximize the protection they’re afforded in the event of a lawsuit or other claim
  • Educate your loved ones, so everyone understands the purpose of the safeguards and the motivation behind them

We don’t just review and give advice; we help you execute, too.

Review. Assess. Protect.

1

Insurance Coverage Reviews

Will your life insurance provide adequate income replacement in the event of a tragedy? What about your homeowner’s policy? Is your business adequately insured? Your estate? We examine your existing personal, business, and estate policies, as well as your work-provided insurance, to make sure you have the right type and level of coverage.

2

Feel More Confident About Your Financial Security

If your business was sued, would its legal structure shield your personal assets? If you were personally sued, would your business be at risk? Our goal is to make sure your entire financial life, personal and professional, is properly protected to weather life’s curveballs. Insurance often doesn’t cover as much as you might think. Our advisors will conduct a thorough review of how your assets are currently titled and recommend ways to better safeguard your property.

3

Policy Selection and Execution

If you go to a captive insurance carrier directly or work with a broker affiliated with a specific provider, you typically get their rates and coverage. We have the flexibility–along with the expertise–to find and recommend carriers that align with your needs and goals. And our support doesn’t end once you select your policy. We facilitate the underwriting process and review your coverage to help ensure it stays in sync with your life.

Explore Our Offerings for Individuals and Families

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Some married couples are concerned about gifting strategies that involve the loss of control of assets during their lifetime.

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