Auto & Umbrella Insurance
What you drive, and what stands behind it.
Two things most families get wrong: the way a collector automobile is valued, and how far their liability coverage really reaches. We get both right.
Daily drivers, exotics, and collector automobiles are not the same risk, and they should not be insured on the same terms. A collector car insured at standard book value is a car under-insured the day you need it. We use agreed-value coverage where it belongs, so the figure is settled before a loss — not argued after one.
Your personal umbrella is the policy that protects everything else — your home, your savings, your future earnings — when a liability claim runs past your underlying limits. It is also the policy most families carry too little of, because the figure was set years ago and never revisited against what they now have to lose.
What we cover
Automobiles, valued correctly
Everyday vehicles, performance and exotic automobiles, classic and collector cars — agreed-value where it belongs, and coverage that follows them to the track, to storage, and across state lines.
Umbrella, sized to your whole estate
Excess liability sized to your actual exposure: the homes, vehicles, watercraft, household staff, board seats. A meaningful balance sheet often needs limits well into the millions, layered correctly.
The gap that costs the most
The most expensive mistake is a seam — an umbrella that doesn't sit cleanly above the auto and home beneath it, so a large claim finds the gap and falls into it. We close that seam deliberately and re-check it as your coverage changes.
Begin with a conversation
Tell us what you own and where you stand, and we'll size the coverage to it — privately, and at your pace. It commits you to nothing.
Schedule a conversation