Protect Your World.
Not Just Your Assets.
Insurance designed around how you live — not just what you own. One advisor, one strategy, total peace of mind for your family, your properties, and your legacy.
Built for Families Who’ve Built Something Worth Protecting
You’ve worked to build a life that reflects your values — a home you love, a collection you’ve curated, a legacy you’re creating. Standard insurance wasn’t designed for any of it.
Cornerstone Private Client Services exists for families, executives, and business owners who need protection that’s as considered as the life they’ve built. We don’t sell policies — we design portfolios.
Every Policy, Designed
Around How You Live
No two families are alike — and neither are our programs. Each coverage is crafted with your specific lifestyle, exposures, and goals in mind.
Homeowners
High-value home protection with guaranteed replacement cost, extended liability, and coverage for custom features and renovations.
Auto & Collections
Agreed-value coverage for luxury, classic, and collector vehicles — with OEM parts and concierge-level claims handling.
Umbrella Liability
$1M to $100M+ in excess liability coverage — essential for board members, public-facing executives, and families with substantial assets.
Vacation & Secondary Homes
Specialized coverage for coastal, mountain, and investment properties — including seasonal vacancy, short-term rental, and multi-property programs.
Yachts & Aviation
Hull coverage, crew liability, and worldwide navigational flexibility through carriers who specialize in marine and aviation risk.
Valuable Articles
Scheduled protection for fine art, jewelry, wine collections, and antiques — blanket or itemized with no-deductible options.
Compare Rates from Multiple Carriers in Minutes.
Skip the back-and-forth. Our instant quoting tool lets you see competitive rates from top-rated carriers — no phone calls, no waiting. Just real numbers, right now.
When Was the Last Time Someone Looked at the Whole Picture?
Most high-net-worth families have gaps they don’t know about — an umbrella that hasn’t kept pace with asset growth, valuables that were never scheduled, or a vacation property with the wrong endorsements.
Our complimentary portfolio review compares your current program against best-in-class and identifies exactly where you’re exposed.
Why Families and Executives
Choose Cornerstone
Insurance is a commodity until something goes wrong. The difference is in the relationship — and how we show up when it matters.
One Advisor. One Strategy.
Your dedicated advisor knows your entire portfolio — every property, vehicle, and exposure. No call centers, no repeating yourself.
Proactive, Not Reactive
We don’t wait for renewals. Annual portfolio audits catch gaps before they become claims — and adjust coverage as your life changes.
Market Access That Matters
Independent access to carriers that specialize in high-net-worth risk — Chubb, PURE, AIG Private Client, Cincinnati, and more.
Claims Advocacy
When you file a claim, we don’t disappear. We manage the process, coordinate with carriers, and advocate until you’re made whole.
Specialized Coverage to
Close Every Gap
Small Watercraft
Boats and personal watercraft against damage, theft, and liability.
Recreational Vehicles
RVs, ATVs, and recreational vehicles on and off the road.
Flood Insurance
Dedicated flood coverage beyond standard homeowner policies.
Renters Insurance
Personal belongings, liability, and temporary living expenses.
Cyber & Identity
Identity theft, fraud, and cyber-related financial losses.
Earthquake
Structural damage and property loss from seismic events.
Confidence Starts at
Cornerstone.
Tell us a little about yourself. A personal risk advisor will reach out within one business day — no pressure, no obligation.
No spam. No sales pressure. Just a direct line to your advisor.