Case Study
Protecting Your Family from the Unexpected—Online and Beyond
The Challenge
A client with significant assets was referred by their trusted financial advisor. They didn’t have any umbrella insurance but had significant exposure. Multiple multi-million-dollar homes (primary and a cape beach home – both in trusts), year-round rental properties in an LLC, boat, luxury autos with 5 young drivers. 2 that were away at college (with autos). They were contemplating renting out their pool over the summer online for an hourly fee to make some extra income.
Building Blocks
Nadeen helps clients stay ahead of these risks by recommending Umbrella/Excess coverage to every client making sure they are carrying enough insurance and that it includes two key features: Uninsured and underinsured motorist coverage and uninsured and underinsured liability protects against others who do not carry insurance (NH – the state does not require insurance to register a vehicle) or enough insurance coverage. Most simply do not carry enough insurance limits.
Result
With these coverages in place, clients feel confident they’re prepared for real-world liability surprises. Nadeen’s thoughtful guidance empowers families to protect what matters most—before something goes wrong.
