Practice areas
Four practices, one independent firm.
From a household auto policy to a $1M+ commercial property schedule. The same standards, the same principals, the right placement for each.
Personal Lines.
Households deserve a broker who reads their renewal as if it were their own. We shop the market when premiums creep, compare carriers when life changes, and answer questions the same day they come up.
If you have ever called your current agency and gotten a service queue, you know what we are not.
- Ideal client
- Households with multiple policies who want one broker
- Premium range
- $1.5K to $25K annual personal premium
High Net Worth.
High-value households need broker bench, not a service center. We map carrier appetite to the household, not the form, and structure umbrella towers and specialty placements with the wording that protects you when something goes wrong.
Trust-owned property, classic autos, art, jewelry, watercraft, aircraft, and excess liability up to $25M+, placed under the right preferred carrier program for your household.
- Ideal client
- $5M+ in personal assets or a household with complex structure
- Premium range
- $15K to $250K+ annual personal premium
Owner-Led Commercial.
Small businesses get treated like form fills almost everywhere. We build a real submission, talk to actual underwriters, and match your appetite to the right carrier for your trade and your loss history.
Standard markets, specialty programs, and wholesale partners as appointments are added. The submission tells the story so the carrier does not have to guess.
- Ideal client
- Owner-operated business with under $100K in annual premium
- Premium range
- $5K to $100K annual commercial premium
Large Commercial.
Mid-market and complex accounts get principal-led account strategy: a total cost of risk view, a planned renewal calendar, and quarterly stewardship meetings that show what we are doing for your premium dollar.
We work with standard, preferred, specialty, and wholesale markets to build a placement that is right for the risk, not for the easiest commission.
- Ideal client
- Businesses over $100K in annual premium across multiple lines
- Premium range
- $100K to $1M+ annual commercial premium
Complimentary review
Not sure which practice fits? Send the basics, we’ll route it.
Personal, household, business, or all three under one roof. We’ll review your current program and tell you where the real opportunity is.