Risk Mitigation & Asset Protection

The insurance and legal structures that keep a single event from undoing everything else. They limit how far one claim or loss can reach into the rest of a household's wealth.

How we work

What we do

Cover and structure sized against the whole balance sheet.

Excess liability

An umbrella policy sized to what the household could lose in a lawsuit, with the homes, the vehicles and any board seats in view, and reviewed as the balance sheet grows.

Long-term care

A plan for paying for care, decided while there is still a choice between insurance, paying from the portfolio, or a mix of the two.

Key-person cover

Insurance on the people a business cannot run without, so a death or a disability does not leave the company and the family short at the same time.

Part of one design

A single claim or illness can reach further than it should when cover and titling were set up apart. Risk Mitigation & Asset Protection aims to keep one event contained, so the family keeps its footing and the rest of the plan stays in place.

We do

Map the exposures across the household
Size cover against the balance sheet
Coordinate titling with the estate plan
Review cover as the family changes

Your counsel does

Licensed insurance professionals place the policies
Your attorney drafts the protective structures

When it matters most

The moments that change what the family is exposed to, and what we do in each.

All transitions

Becoming a Caregiver

Ongoing responsibility for the care or finances of another adult, most often a parent or partner. It rarely has a clear start or end, and it takes its hours from whatever was already there.

Care is planned, and paid for, before it is urgent.

Taking Over a Business

Stepping into a company you did not start, usually one your family did. You inherit its relationships and its comparisons along with its balance sheet.

Key-person cover and personal guarantees are reviewed as the successor steps in.

Marriage or Partnership

Two financial lives joining. Combining accounts and debts is the straightforward part, and reconciling what each person assumes money is for takes longer.

Titles and cover are reviewed for a shared household.

Divorce

The end of a marriage or long-term partnership. One household becomes two, and what the couple held jointly, including friendships, has to be divided.

Cover and beneficiaries are reset for two households.

Common questions

Enough that one claim or loss is unlikely to reach the rest of the household’s wealth. We size each policy against the balance sheet it protects, the homes, the company, the portfolio and the income, and review it as those change.

Start with a conversation.

Tell us what is changing in your family. We listen first, and tell you plainly whether we are the right office for it.

All seven services