Chesapeake Risk helps families and professionals coordinate coverage across homes, automobiles, personal liability, valuables, secondary properties and other complex exposures.
Request a Private Risk ReviewA primary residence may be insured correctly while an umbrella excludes an exposure created by a rental property. Vehicle limits may not align with the liability structure. Renovations, collections, trusts or secondary homes can change the risk profile without changing the insurance program.
We look at the relationships between those exposures—not simply the price of each individual policy.
Primary, secondary and seasonal residences, replacement-cost considerations, flood and property-specific exposures.
Personal vehicles, youthful drivers, higher liability limits and coordination with excess liability.
Excess liability structured around the assets, activities and underlying policies it is intended to protect.
Jewelry, collections, watercraft and other exposures conventional homeowners coverage may not fully contemplate.
Map assets, properties, drivers, entities and liability exposures.
Review existing policies for gaps, overlaps and structural inconsistencies.
Develop a coordinated protection strategy using appropriate insurance markets.
Revisit the structure as assets and circumstances change.
Homeowners with significant property or liability exposure
Families with multiple homes, vehicles or youthful drivers
Professionals and business owners whose personal and commercial risks intersect
Real estate investors with personal and investment-property portfolios
A private client risk advisor looks across the full personal insurance program rather than treating each policy separately. The objective is to coordinate homes, vehicles, umbrella liability, valuables, rental properties and other exposures so limits, exclusions and ownership structures work together.
Umbrella liability should be reviewed when assets, income, properties, vehicles, household drivers or business and rental exposures change. The underlying auto and property liability limits also need to align with the umbrella policy.
Each property can introduce different occupancy, location, ownership, liability and catastrophe exposures. A coordinated review helps determine whether the individual policies and umbrella structure protect the portfolio as a whole.
A review is typically appropriate at least annually and whenever there is a major change such as a home purchase, renovation, new vehicle, new driver, rental property, business interest or significant change in assets.
The Chesapeake Risk Review is designed to identify coordination gaps and determine whether your current protection strategy still fits your exposure.