Family Office Risk Management

Premier risk management for multi-generational investments and what matters most at home.

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Achieve peace of mind for your generational investments and what matters most at home.

Managing risk is essential for protecting a complex portfolio of business, professional, and personal interests while empowering generational wealth and your estate through peace of mind. Leverage our team of insurance and risk management specialists while crafting a personalized, comprehensive plan that protect the assets of your highly successful family and offers continued support for what’s ahead.

White Glove Risk Management – Simplified.

Anyone can offer ideas on what to do, but we specialize in helping you understand why you do it. Our team prides itself on providing white glove service that respects both your privacy, and deadlines. Going beyond placing an insurance policy, you and your team will work directly with our advisors to conduct a comprehensive risk management evaluation and pinpoint what strategic actions will be most effective for your unique risk portfolio.

Client Assessment & Risk Management Strategy

  • Review your immediate needs & align our risk philosophy
  • Gather information and review data
  • Analyze your existing program vs. needs and new market offerings
  • Collaborate on solutions and design the most effective program
  • Present solutions and enhance insurance literacy

Tailored Policy & White Glove Service Solutions

  • Provide high level risk overview
  • Explore appropriate market fit
  • Confirm desired elements of insurance program design
  • Confirm service team
  • Present summaries of insurance & application to exiting contracts
  • Establish client service calendar

Ongoing Risk Management

  • Reliable, world-class service
  • Proactive communication on evolving risk and insurance issues
  • Continued risk management advisory and consultations
  • Suggest and verify changes in coverage, premiums, and policy terms

Available when and where you need us

Bespoke insurance and risk management services for high net worth individuals and their families. Contact your broker by call, email, or text – convenient access for you and your family.

Insurance & Claims Management Services

  • Homeowner’s Insurance
    Families that own a high value home, multiple properties and even coastal properties, deserve premier homeowners insurance coverage that secure your peace of mind.
  • Flood Insurance
    Excluded under a traditional homeowner’s policy, flood insurance is the most common natural disaster that threatens your home. Don’t wait until the next storm to look for coverage!
  • Earthquake Insurance
    Earthquakes are more common than you might think and earthquake insurance offers robust coverage beyond the standard homeowner’s insurance policy.
  • Co-op and Condo Insurance
    Used for day trips, children or if you enjoy the urban life, tailored condo insurance solutions guard against unexpected losses or gaps in coverage.
  • Travel Insurance
    You and your family deserve to travel with confidence, security, and with peace of mind. Life happens fast and the right travel insurance policy will protect you and your family while exploring the globe.
  • Jewelry Insurance
    A standard homeowners policy leaves gaps in coverage for your cherished possessions. Let’s protect your valuables from loss, theft and damage while at home or out in the world.
  • Fine Arts Insurance
    ZRM offers a variety of fine art insurance solutions that both guard and mitigate damage to your fine art, collectibles, and antiquities.
  • Equine Insurance
    Whether for business or pleasure, ride confidently with our equine insurance specialists and find the right horse insurance coverage to protect your investment.
  • Personal Umbrella Insurance
    Highly successful individuals are targeted by hostile lawsuits. One legal decision can change everything. Personal umbrella policies protect your personal net worth and the legacy you’ve built.

  • Auto Insurance
    Let’s put you in the drivers seat and secure the right auto insurance coverage for your luxury and collector cars. Additional solutions available for motorcycles, motor homes, and even golf carts.
  • Boat, Yachts & Personal Watercraft Insurance
    Prepare for any storm on the horizon while owning a sailboat, yacht or anything in between. We can help secure customized boat insurance to accommodate your unique risk.
  • Aviation Insurance
    Find the right aviation insurance coverage for your domestic aircraft and while abroad.

  • High Net Worth Life Insurance
    Protect your loved ones and enhance your legacy with high net worth life insurance solutions. Ask about being your own bank through life insurance!
  • Medicare Supplemental Insurance
    Medical supplemental insurance helps fill in the gaps of other major medical insurance when you’re sick or hurt.

  • Directors and Officers Insurance
    The first step as a board member or a key executive is inquiring about the organizational directors and officers insurance. This is the most important coverage to protect your personal assets in the event of a business related lawsuit. We can act as your advisor to review existing policies or more directly help your organization secure proper coverage.
  • Professional Liability Insurance 
    Professional liability insurance, otherwise known as errors and omissions insurance (E&O), protects you and your business against claims of inadequate work or negligent actions made by clients.
  • Cyber Insurance
    The number one growing insurance market – cyber insurance guards your firm against cyber security risks and data breaches.
  • Kidnap and Ransom Insurance
    Criminals target highly successful families and there are about 15,000 kidnaps for ransom annually that generate millions in criminal income. K&R insurance is a discreet way to make sure professional teams are available to provide protection and negotiation services when you or your family need them most.

Request a Risk Analysis

Every family is different and no insurance policy is one-size-fits-all.
Let’s start a conversation about your goals and solutions to improve future sustainability.

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  • Achieve Peace of Mind
  • One Stop Shop For All of Your Insurance Needs
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