Personal insurance helps you avoid the unthinkable, such as catastrophic financial loss when an unexpected event occurs. Our individualized approach ensures that you receive the right coverage for your needs now and in the future. Our goal is to provide you with peace-of-mind and a sense of security knowing all of your insurance requirements have been taken care of, allowing you to enjoy life free from insurance concerns.
Your home may be your biggest investment. Protecting that investment means obtaining insurance coverage that addresses the variety of issues that can damage or destroy your home, such as fire, wind, hail, and water damage from broken or overflowing pipes. Other natural disasters, such as floods or earthquakes, typically require separate, supplementary policies.
Auto insurance encompasses many types of insurance in one package. To determine what type of coverage you need for your vehicle depends upon a number of factors, such as automobile age, current value, and who is driving the vehicle. In addition, most states require liability coverage to pay for damage and injury to others if you are at fault.
Whether on the road, in the woods or on the water, specialty vehicles require specific coverage to protect you and others.
Individual Life and Health
Most people think of life insurance as a pot of money that, upon their demise, is given to the policy beneficiaries. That is a simplistic view, as life insurance is so much more. Life insurance is designed to give you the assurance that your heirs will be taken care of when you’re no longer there.
Medicare has been providing health insurance benefits to people age 65 and older, as well as people with disabilities under age 65 and those suffering from end-stage renal disease since 1966. This once easy-to-understand program (only two Parts – A and B) has grown in its scope and offerings, which can be confusing, even to experts in the health insurance field.
Private Client Services has decades of experience managing the complex and varied needs of high net worth individuals. Working as advocates and trusted advisors, we shoulder many responsibilities to provide you with insurance products and services designed with your unique requirements in mind. What sets Cornerstone apart from other insurance companies is our team of knowledgeable consultants. This devoted and discriminating group is adept at developing relationships with your other wealth advisors, such as trust attorneys and investment managers to maximize your financial potential while minimizing risk.
Private Client Services’ clients trust our perspectives, expertise, and guidance to help them navigate the increasing uncertainties and complexities in our lives and world.
Your home is a big investment, especially if it’s historic or custom-built. These types of homes often include expert craftsmanship, unique design details, and materials that aren’t always covered by standard homeowner’s policies. As such, it’s vitally important that the homeowner’s policy you choose ensures that your home will be rebuilt or restored to the same standards and finishes of the original.
Luxury, Fleet, and Collector Automobiles
Owning multiple cars doesn’t mean an auto insurance headache. In many instances, autos can be combined into one policy, making administration easy and painless. The same is true of multi-owner vehicle fleets.
Recreational and Other Transportation
Whether on the water, in the air, on the road or in the woods, specialty vehicles require specific coverage to protect you and others.
Homeowner’s policies can provide a great deal of comfort. However, a homeowner’s policy may not cover the full value of collectibles and expensive possessions. In addition, claims through homeowner’s policies are subject to a deductible, coverage amount limits, and restrictions on items covered.
Employing staff to run your household allows you the opportunity to spend time in other pursuits, such as achieving a higher degree of success in business, raising and educating your children, or participating in philanthropic activities.
Family Office and Travel
Family Office Insurance protects the complex financial assets of affluent individuals and families. Without its protection, your accumulated wealth could be jeopardized.
In today’s increasingly connected world, identity theft has hit the big time, and, unfortunately, the problem is only getting worse. Having your identity stolen – and then used to commit other crimes – can ruin reputations, financially devastate, and create ongoing headaches for years. Cornerstone has the protection you and your family needs to repair any harm that occurs, so you can get back to living your life.
Kidnap and Ransom
Success, whether professional or personal, increases the odds that those with criminal intent may be targeting you, your family or a valued person in your business. While distressing to think about, adopting the specialized coverages of Kidnap and Ransom (K&R) insurance provides a measure of comfort if the unimaginable happens.