Private Client Insurance for Property Owners
Serving Clients Across New York, New Jersey, and Connecticut
Our Private Client practice works with individuals and families who own significant personal residences and investment properties. Many of our clients are landlords or real estate investors who want personal insurance handled alongside their property coverage.
Refine Risk provides home, auto, and umbrella insurance with an emphasis on coordination, helping ensure personal and property risks are addressed together as portfolios grow.
Many of our Private Client relationships begin through property insurance work and grow as clients consolidate personal and investment coverage.
How it Works
We design intentional insurance systems that reflect how you live; across state lines, generations, and expectations.
Discovery Call
We start with a one-on-one conversation to understand your world; your properties, assets, travel plans, and any unique risks. This helps us design a protection system that fits your life.
Comprehensive Review
We analyze your current coverage across homes, autos, valuables, and liability exposures. We look for gaps, overlaps, and opportunities to simplify or strengthen your portfolio.
Customized Plan
We create a protection system that aligns with your goals. This may include enhanced homeowners coverage, umbrella liability, household staff protections, cyber risk solutions, and more.
Coordination with Advisors
We work closely with your legal, financial, and family office teams. This ensures that your insurance supports your broader wealth and estate strategies.
Ongoing Partnership
Once onboarded, your dedicated Risk Advisor will check in regularly. We provide annual reviews, proactive adjustments, and support through life changes, helping you protect what matters as your world evolves.
Refine Risk Is The Trusted Partner Both You And Your Clients Can Count On.
If you're looking for a reputable and robust insurance and risk management service for your clientele, Refine Risk is the firm you can trust. With access to multiple high net worth insurance carriers, we can truly provide a custom insurance plan for your clients, helping them protect their most valuable assets easier.