This is gonna get personal.

We build informed, comprehensive personal insurance programs for discerning, high net worth clients. Are you properly covered?

 
 
 

PERSONAL INSURANCE

Most don’t know if they have too much or too little coverage…and that’s ok.

Shopping for the right personal coverage can feel salesy, impersonal and overwhelming. Are your largest assets properly covered?

Our concierge approach allows us to work closely with our high net worth clients to review their coverage, educate them, identify risks and design programs that build a fortress around the things they value the most. Our philosophy is rooted in being tireless advocates for its clients.

 
 

  • There are many reasons to work with a broker rather than directly with the carrier. A broker has a fiduciary obligation to act in your best interest. This means you have an advocate who will fight to get you the best coverage at the best price. Brokers are not bound to work with one carrier this means your broker is free to find the best carrier for your needs. A broker uses their leverage to find you the best rates and they are compensated by the carrier, not by the client.

  • Well, we often find the answer is no. As your insurance advisor our job is to review your current policies, understand your unique risk and property and determine what level of coverage you need.

  • Well, the short answer is that you dont need to know. Our job is to find them for you and to build a program that eliminates the liabilities.

  • The risks of having no or inadequate coverage could be catastrophic. The proper insurance will cover you from everything from a minor leak in your home to a fire. We also specialize in insurance solutions that many don’t commonly associate with personal insurance such as coverage for unique personal possessions, excess liability coverage and umbrella policies.

 

We often hear, “no one has ever asked me that before.”

 

FINDING THE RIGHT INSURANCE

When we sit down with new clients, we often find that they have never been asked some very important questions that could have a significant effect on their policy and coverage. The result is a cookie-cutter policy that does not fit the client’s needs. Our approach is just different.

There is no one=size-fits-all when it comes to comprehensive insurance programs. Our clients in Florida have different needs than those in New York and New Jersey. Our plans never start from a template, each one is built to fit the client and that client only.

 
 

FINDING OPTIONS THAT FIT

While your specific coverage needs may not require certain categories of coverage, our job is to find out what exposures you could have. We build custom programs that could include:

  • Personal Injury

  • Personal Property & Contents

  • Umbrella Policies

  • Property Damage

  • Excess Liability Coverage

  • Additional Living Expense/Loss of Use

  • Flood Coverage

  • Jewelry, Fine Art & Collectibles

  • Secondary Home

  • Collectable Cars

  • Watercraft

  • Medical Expenses

  • Wine Collection

  • Personal Liability

  • Water Back-up

  • Miscellaneous Coverage

  • Off Premises Theft

 
 

WHO IS THE TIZ GROUP?

The TIZ Group is a high-touch, concierge insurance brokerage that works intimately with our clients to ensure the best coverage, limits and market rates. Best-in-class service and unparalleled value demands that we choose our clients very carefully, ensuring a common dedication to building a trusted, long-term relationship. We leverage our industry network and carefully chosen partnerships to offer what others cannot. Simply put, we give our clients competitive rates and coverage without sacrificing the personal relationship.

 

THE TIZ PROCESS

EVALUATE

As your advisors, we get to know you and understand and identify the risks you may face.

MANAGE

Rely on us to simplify the insurance process and to advocate on your behalf to the insurance company.

CONTROL

Count on us to be there for you every step of the way so you always have the right coverage for your insurance needs.

PROTECT

We ensure your coverage and make sure your policy is current to minimize gaps in protection.

 
 

BUSINESS INSURANCE

Identifying unforeseen business risk.

Business risk and liability is complex and a gap in coverage has the potential to eliminate years of hard work. Our experienced team of insurance experts advises businesses, identifies areas of exposure and builds custom programs to protect them. As companies evolve, shift focus and expand, their insurance needs change. Having a trusted advisor that can stay ahead of trend, regulations and requirements is critical to the growth and stability of a healthy business.

 
 

 

ASKING THE RIGHT QUESTIONS

Sorry, you won’t find an instant quote feature here.

Your business, family and home are just too important to trust to an algorithm or hurried cursory questionnaire. Ensuring proper coverage requires proper due diligence. We have the experience to ask the right questions and understand the unique risks you may face. Unlike other insurance companies, we think you should have a personal relationship with a broker who actually cares.