Private Client Services

Clients with assets in excess of $10,000,000 typically have unique needs that cannot be addressed by the average insurance company, agency, or agent. This is truly where a personal insurance program becomes a risk management program.  A client in need of these services usually works closely with several advisors to protect their wealth but often the insurance program is not managed by an agent with the experience, knowledge, and advanced education it requires to handle this type of insurance portfolio.  The agency owner and principal, Nicole Allen has over 20 years of insurance experience with 12 years focused soley on the needs of clients in the high-net worth space.  After obtaining her bachelors degree, she continued her advanced insurance education beyond the required state licenses earning her CPCU to be able to offer clients a higher level perspective of their program and better representation in the insurance marketplace. If your insurance program includes homeowners insurance for property(ies) with a replacement value over $500,000, multi-state exposures, multiple cars, excess liability, jewelry, and a complex estate plan in place including trusts, LLC's, and/or multi-generational accounts, you should have a dedicated professional involved to ensure you have the coverage you expect before you have a loss. Our services begin with a highly- confidential, full analysis of your existing program with additional market options and recommendations.  After becoming a private client with Clear Choice, Nicole will work with you directly throughout the year to provide insurance expertise as your risks and needs change.  When your program is due to renew, she will conduct an in-person review of your program to ensure everything is current, accurate, and still relevant to your risk exposure.