Private Client Solutions
Complex personal risk deserves a coordinated strategy.
We work with individuals, families and family offices whose homes, vehicles, ranches, collections and other assets require more than a collection of unrelated personal insurance policies.
Coordination matters: how liability limits align, how entities and trusts hold assets, how staff are employed and how coverage follows ownership.
Who we advise
Private risk advisory, not personal lines.
We work with individuals and families whose homes, assets, businesses and responsibilities have outgrown a standard personal insurance approach.
- Affluent individuals and families
- Executives and business owners
- Family offices
- Complex, multi-property households
Exposures
Where personal risk becomes complex.
Personal risk becomes complex when assets are held in multiple names and entities, when staff are employed privately, and when liability exposure extends beyond the household.
Gaps typically appear at the seams: a property titled to a trust, a vehicle driven by a family member, an employee paid without a formal arrangement, a collection insured at an outdated value.
Catastrophe exposure and valuation have also made availability and replacement cost a planning matter rather than a renewal detail.
- Homes & Properties
- Primary, secondary and seasonal residences with valuation, catastrophe and market-availability considerations.
- Auto Portfolios
- Multiple vehicles, collector automobiles and household drivers coordinated under consistent liability structure.
- Ranch & Equine
- Land holdings and equine interests where personal and commercial activity overlap.
- Collections & Specialty
- Fine art, jewelry, wine and other collections with appraisal, transit and storage considerations.
- Aviation & Marine
- Aircraft and watercraft coordinated with the broader liability program.
- Family Office Coordination
- Trusts, entities, domestic staff and advisors aligned so coverage follows ownership and responsibility.
Coverage
Coordinated as one program.
- High-value homes and property
- Autos and collector vehicles
- Farm and ranch exposures
- Equine
- Aviation
- Marine and watercraft
- Umbrella and excess liability
- Collections and valuables
- Watercraft and yacht
- Domestic staff workers' compensation and EPL
- Personal cyber and fraud
Claims
When something goes wrong at home.
Water and weather events are recurring drivers of high-value home losses.
Liability matters involving household staff, guests or drivers can reach beyond primary limits.
Collection and specialty claims frequently turn on appraisal currency and documentation.
The Duncan Difference
Related Specialty Practices
A private conversation.
Tell us about the properties, the assets and how the household program is currently arranged.