Risk Management Update

Name (required)

To ensure your personal risk management program has properly kept pace with your lifestyle, please take a moment to consider the changes since we last reviewed your program.

Please check the items below that apply to you and your family

PROPERTIES
checkedPurchased or sold property, rental or investment (including for your children away at school)
checkedRenovated home or the addition of new structures such as a pool, stable, garage, greenhouse, sports court or fence
checkedVacated home, rented to others or other change of occupancy
checkedTitled real estate in the name of a trust, LLP or LLC
checkedChange in mortgage or refinance
checkedFortified your home with hurricane mitigation improvements— hurricane shutters, wind impact resistant windows, new roof, etc.
Additional home safeguards (check all that apply):
checkedFire and/or security alarm system, sprinklers
checkedLightning surge protection
checkedPermanently installed generator
checkedWater detection
checkedPerimeter monitoring system
checkedExternal perimeter security
checkedHome safe
checkedOpened home-based business

PRIVATE COLLECTIONS
checkedAcquired or sold jewelry, fine arts/antiques, wine cellar or other valuables
checkedMoved items to bank vault or art storage facility
checkedLoaned item to a museum or contracted with a gallery

VEHICLES
checkedAuto possible credits: blind spot monitoring, lane departure monitoring, hybrid, auto braking, low mileage, garaged, ABS, alarms
checkedAcquired, sold or changed automobiles, including the use of company vehicles
checkedTeenage driver discounts: good student, driver training credit, child away a school over 100 miles without a car, completed defensive driving course
checkedRetitled vehicle, including name of LLC or corporate entity
checkedAcquired or sold boat, jet ski, recreational vehicle, dirt bike, ATV, golf cart, aircraft or share of ownership, etc.
checkedHave regular drivers who are not listed on my auto policy, such as a nanny, maid, groundskeeper or pilot

WATERCRAFT
checkedAltered or add operations (Captain or crew)
checkedAltered navigational territory or mooring location
checkedUpdated severe weather plan
checkedPurchased new tender or toys
checkedUsage change (charter?)

DOMESTIC STAFF
checkedNeed to perform background check on domestic staff
checkedNeed to add domestic staff as operator to automobile policy or write renter’s policy (live-in)
checkedNeed to explore domestic worker’s compensation, employment practices or health care coverage
checkedReview renter’s policy for live-in staff
checkedReview job description/create handbook

AVIATION
checkedNeed to alter/add pilots or change usage of aircraft
checkedNew or changed hangar
checkedUsage change (charter?)
checkedPurchased a Drone

ASSET & INCOME PROTECTION
checkedHave a continuity plan in place in the event of a death, disability or long term health issue
checkedRecently had your existing life insurance, disability insurance, and long-term care policies reviewed
checkedRecently evaluated your individual and family estate planning and life insurance strategies to ensure the efficient transfer of wealth
checkedHave key person insurance for your business
checkedHad a buy/sell insurance and operating agreement review for your business
checkedHave a need to review operating agreement to ensure sufficient life insurance and disability is in place to fulfill the agreement in the unfortunate event of a death or disability

LIFE CHANGES AND PLANS FOR THE COMING YEAR
checkedChange of name, marital status or living conditions
checkedChild to obtain driver's license, leave for school, leave the household
checkedPlanning large event, e.g., wedding, birthday party, charity event at home
checkedServe on new board of directors or named a trustee of an estate
checkedTravel extensively (need for emergency medical evacuation)
checkedNew family pets, horses or exotic animals

Other
checkedPersonal liability limits are not adequate to protect my personal assets
checkedServe on a board & would like to discuss my personal asset exposure
checkedEmploy or are potentially hiring domestic staff, e.g., nanny, maid, groundskeeper, pilot
checkedHave additional personal insurance with another insurance agent
checkedWould like to consider higher deductibles to lower premium

HOLISTIC INSURANCE AND RISK MANAGEMENT
Please let us know if you are interested in learning more.
checkedCommercial insurance
checkedEmployee benefits
checkedLife insurance, Key-man, Buy-sell
checkedIndividual medical or dental
checkedIncome and Asset protection

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