Individuals
Hunters Private Client Services caters to individuals with more sophisticated insurance needs to protect their personal assets.
Enhanced Homes & Assets Insurance Brokerage
EXPANDWe want you to receive a truly individual solution, taking the complete picture of your lifestyle and possessions into account.
Many brokers understand how to insure a mink coat or a small art collection – but only a real understanding of your lifestyle will ultimately lead to the right insurance solution.
Someone interested in thoroughbred racing and early 20th century Canadian art generates a much different insurance solution than someone interested in their greenhouse and collecting original theatrical manuscripts.
We also examine potential “life events” – like moving, major renovations, getting married, marrying off a child – and offer practical advice to limit your exposure and reduce your insurance hassle-factor. Just reading our “Events” publications could save you time and money.
Compare us against your current “home & auto” broker using our Client Pledge below:
We will return your phone calls within twenty-four hours.
We will be there for you when a claim happens. You will have the Owner’s home phone number. In the event you must leave your home, HUNTERS will make our Claim survival kits available to you as soon as we arrive on site and direct you to alternate living arrangements that will live up to your standards
We will have a material conversation about your insurance renewal picture at least one month before it is due. We will clearly spell out options.
We will visit with you at least annually, unless you tell us not to. We recognize how valuable your time is. We will offer to do so outside of business hours.
We will issue you a limits/deductibles summary showing all of your policies for your quick reference – at least annually.
We will review services to help you do a personal inventory, valuations and video records – at least annually.
We will address your personal liability issues beyond “just car insurance”. Our Colleagues in Private Client Services are cross-trained in business and director liability – as well as how major Canadian credit card value-adds work for rental cars.
We will use discretion at all times. For example, if an engagement ring is purchased, we won’t leave a voicemail confirming coverage at home.
Finally, we pledge that we will use the brains God gave us.
Contact
our Broker
Personal Liability Risk Management Consulting
EXPANDWe want you to receive a truly individual solution, taking the complete picture of your lifestyle and possessions into account.
Initial Understanding
HUNTERS starts by taking you to a specific personal vantage point – liability risk from three often intertwined fronts:
Business • Community • Lifestyle
Though a succinct questionnaire process, we determine if HUNTERS should enhance your understanding and management of potential personal liabilities.
Investigation
HUNTERS digs deeper to uncover your individual spectrum of personal liabilities. Your initial questionnaire allows us to determine our fee.
As part of the process, we audit all forms of risk management currently in place ranging from corporate indemnities, board and personal insurances, and credit card “value adds”.
HUNTERS presents your “Personal Liability Risk Profile” in a clear and concise format with full supporting details and documentation. Your profile should be re-tooled at least annually.
Illumination
HUNTERS will recommend strategies to manage your Personal Liability Risk Profile. We outline actions, accountabilities and timeframe.
Our on-going role as your personal consultant and/or insurance broker is explicitly decided by you as part of this process.
Implementation
HUNTERS will execute those strategies we mutually agree upon. You can expect regular reporting against agreed expectations.
Intensive Care
Take advantage of our experience helping business leaders navigate problematic, and sometimes awkward, circumstances.
HUNTERS offers Claims Advocacy and Expedition for potential or on-going issues. Again, you can expect regular reporting against agreed expectations.
Contact
our Broker
Director and Trustee Liability Audit and Consulting
EXPANDWe want you to receive a truly individual solution, taking the complete picture of your lifestyle and possessions into account.
HUNTERS offers an independent evaluation and explanation of:
- Your limits compared to peer groups by industry, exchange and assets – including commentary for each one
- Corporate structure against “Named Insured” provisions to examine exactly which boards are covered and which individuals
- Current ownership and related director/officer/trustee(s) against policy terms and conditions i.e. insured vs. insured exclusions, majority shareholder exclusions, wrongful dismissal
- Policy structure against a hypothetical case study involving the company itself and individual directors i.e. what claims get paid first, how are defence costs apportioned, who chooses counsel
- Severability terms against a hypothetical case study involving one officer’s knowledge vis a vis disclosure and another involving a criminal signing the application
- Warranties your board made via the application process.
- Cancellation and rescinding provisions as they relate to change in control and misrepresentation
- Other policy terms and conditions that could impact your destiny depending on your business – ranging from international policy reaction to an “uncovered” products recall situation
- Your current insurer(s) – financial condition, history, where decisions are domiciled and who makes them. Other insurers – have they ever looked at your account? If they declined in the past – why?
- Your risk transfer costs and self insured retentions compared to peer groups by industry, exchange and assets – including commentary for each one
We will make recommendations for change if you include this in our mandate and only if necessary.
Numbers 1-10 – impact YOU personally
Numbers 1-10 – impact the health of the organization you steward
Our mandate could include on-going personal records management in relation to past/present board positions. HUNTERS’ advisors are also prepared to give personal D&O Liability education sessions.
Contact
our Broker
The Family Office – Multi-Generational Insurance
EXPANDWe want you to receive a truly individual solution, taking the complete picture of your lifestyle and possessions into account.
A family office is a business that specializes in managing the financial, charitable and even philosophical goals of distinguished families. Family offices accomplish this by providing services to the family, including tax and estate planning; the management of foundations, trusts and philanthropy; the coordination of risk management; and more.
HUNTERS reviews our Client’s overall picture, from the protection of assets to issues of family harmony, and from philanthropic goals to our Client’s tolerance for complexity. We coordinate the members of the Client’s team of advisors, ensuring the Client obtains answers vetted not just by us but by all relevant advisors.
Designed to consolidate cover, establish uniform terms and conditions, eliminate duplication and reduce the number of policies, our services not only simplify the risk management process but also in many cases can reduce premiums.