Coastal Risk

Risk Management • Category 16

Coastal
Private Risk.

Securing high-value coastal assets with access to exclusive carriers (Chubb, AIG, Pure) unavailable to the retail market.

Robert Thorne, CPRIA

The Firm

Florida's insurance market is broken for the retail consumer. High-value estates on Davis Islands require specialized underwriting that standard carriers simply cannot provide.

We are an independent risk management firm with direct appointments to the world's premier high-net-worth carriers. We don't sell policies; we design comprehensive defense strategies for your homes, collections, yachts, and liability exposure.

Coverage Portfolio

Capabilities

01

Coastal Property

Primary and Secondary homes with Total Insured Value (TIV) exceeding $3M.

02

Personal Liability

High-limit Umbrella policies ($10M - $50M) to protect assets from litigation.

03

Collections

Agreed Value coverage for Fine Art, Wine, Jewelry, and Autos without deductibles.

04

Domestic Staff

Workers Compensation and EPLI coverage for house managers, nannies, and groundskeepers.