Personal coverage for the life your business helped you build.

Home coverage reviewed alongside your commercial and umbrella policies — true replacement cost, not market value, with no gaps between personal and business.

Structural coverage at true replacement cost — not market value or assessed value, which are frequently lower than what it actually costs to rebuild.

Contents coverage for furniture, clothing, electronics, and belongings — with scheduled items for high-value property that standard limits don't adequately cover.

Personal liability protection that pairs with an umbrella policy for complete coverage — protecting your personal assets from claims that arise at or away from your home.

Personal auto reviewed alongside your commercial policies — especially important when vehicles cross between personal and business use.

Bodily injury and property damage liability — the coverage that protects your personal assets when you or a household member causes an accident.

Collision and comprehensive coverage for your vehicle — protecting your investment against accidents, theft, hail, and other covered losses.

Personal vehicles used partially for work — important for owner-operators who use their personal vehicle for business without a separate commercial auto policy.

Specialized coverage for lake cabins, Arizona homes, and seasonal properties — the lifestyle assets your business helped you build.

Coverage for properties with extended vacancy — different requirements from a primary home, with specific vacancy clause considerations for ND and MN winters.

Dock, boathouse, shoreline structures, and water access exposures — coverage that standard homeowner policies exclude or severely limit.

ATVs, snowmobiles, boats, and other recreational equipment stored on-site — coverage that needs to be structured separately from the property policy.

Watercraft coverage for lake boats, pontoons, and personal watercraft — reviewed alongside your lake property and personal umbrella.

Physical damage to the boat itself — agreed value or actual cash value, with agreed value being strongly preferred for protecting the full investment.

Bodily injury and property damage while operating the vessel — liability that extends to guests on board, swimmers in the water, and other watercraft.

Motors, trailers, equipment, and permanently attached items — often sub-limited or excluded from base watercraft policies and needing specific coverage.

Essential when your name is attached to a business. A personal umbrella adds a liability layer above home, auto, and watercraft policies.

Adds $1M to $5M or more above your underlying home and auto limits — at a cost that is remarkably low relative to the protection provided.

Picks up where your home, auto, and watercraft policies end — and often covers claims that underlying policies exclude, like certain libel and slander claims.

Protects savings, real estate, and other personal assets from large liability judgments — a critical layer for business owners who have built meaningful personal wealth.