The Coverage Gap Your Clients Don't Know They Have
Research from Chubb and the Wharton School found that high-net-worth individuals overwhelmingly expect their advisor to identify property and casualty risk as part of their financial picture, but few advisors actually offer that review. That gap matters to the relationship itself, not just the client's coverage.
Coverage Built for What Standard Policies Miss
We place Ohio's high-value homeowners with two carriers built specifically for this level of risk: Cincinnati Private Client and Chubb Masterpiece. The difference between these and a standard homeowner's policy is where the real exposure usually lives.
- Guaranteed replacement cost — a rebuild is covered even above the policy limit, not capped at it.
- Flood coverage up to $15 million through Chubb, versus NFIP's $250,000 building / $100,000 contents cap, and it applies even when only one property is affected.
- Valuables and collections — Chubb Masterpiece Valuables settles at Agreed Value with no deductible; jewelry, art, and wine collections are covered well above standard per-item sublimits.
- Liability and family protection — coverage for home invasion, cyberbullying, kidnap/ransom, and other exposures that don't exist on a standard policy at all.
This is the level of specificity that makes a referral credible instead of generic. See the full breakdown on our Cincinnati Insurance and Chubb carrier pages.
For Wealth & Financial Advisors
Property and casualty risk sits outside most advisors' scope, but it's still part of your client's overall financial picture. When a claim goes wrong on an underinsured home, it's a real financial loss you weren't positioned to prevent. A short annual coverage review, handled by us, closes that gap and gives you another reason for the client to trust you with more than investments.
For Estate Planning Attorneys
Property held in trust or moved through an estate plan needs coverage that follows the ownership structure correctly. A policy written to the wrong entity, or left unchanged after a transfer, can leave a client exposed at exactly the moment a claim happens. We coordinate directly with you on how a property is titled so the coverage matches the plan, not just the address.
For CPAs & Tax Advisors
When a client has a casualty loss, the difference between actual cash value and full replacement cost isn't just a claims issue; it affects the documentation and valuation your client needs for tax purposes. We work directly with you to make sure a claim settlement gives your client the paper trail they need, not just a check.
For Family Offices
Multiple properties, multiple states, multiple policies, and no single point of accountability is a common gap in family office risk management. We consolidate a family's high-value real estate under one relationship and one point of contact, with coverage reviewed on the same schedule across every property instead of a patchwork of separate agents and renewal dates.
How a Referral Works
- Introduce us. A name, a property address, and a point of contact is enough to start.
- We handle the conversation. We review current coverage, identify gaps, and present options directly to your client, always with you copied.
- You stay the advisor of record. We don't cross-sell financial products and we don't go around you. Our relationship is with the coverage, not with your client's broader financial life.