Personal umbrella limits ($1M-$10M+)
Excess liability policies providing multi-million dollar asset protection over auto, home, and watercraft.
Wealth management partnerships
Comprehensive property and liability risk reviews for your wealth advisory clients.
Partner with an objective property and casualty insurance agency to conduct comprehensive personal and commercial liability audits for high-net-worth families, executives, and business owners.
Balance sheet protection
Preserving the wealth your clients spent a lifetime accumulating.
Financial plans and investment portfolios can be decimated by a single catastrophic liability judgment. We review underlying auto limits, property exposures, and umbrella shields to ensure your clients are insulated.
Key coverage solutions
Structured around the realities of your situation.
Underlying limit alignment
Audits ensure all underlying auto and home policies meet required thresholds, preventing devastating coverage gaps.
Multiple homes & trusts
Seamlessly names trusts, family LLCs, and multiple properties across Georgia and Pennsylvania on single programs.
Pure P&C fiduciary complement
We handle property & casualty insurance only. We never sell investment, life, or wealth products that compete with your advisory practice.
Quote underwriting details
What we need to build your independent comparison.
- Comprehensive gap analysisDetailed review of existing declarations pages identifying uninsured exposures, low limits, and missing endorsements.
- Board & non-profit exposuresEvaluating liability exposures from serving on non-profit or commercial corporate boards.
- Collaborative client reportingClear written summaries that financial planners can incorporate directly into comprehensive estate reviews.
Related discovery
Frequently asked questions
Common questions about wealth advisor referral partners.
Does Platinum Guard offer investment or financial advisory services?
No. We are strictly a Property & Casualty (P&C) independent insurance agency. We do not offer wealth management, securities, or financial planning, ensuring zero conflict of interest.
What umbrella limits do you recommend for high-income clients?
We evaluate total net worth, annual earnings, and risk exposures (teen drivers, pools, watercraft, rental properties) to recommend tailored umbrella limits typically ranging from $2M to $10M.
How do you handle properties or vehicles owned inside revocable trusts or family LLCs?
We routinely structure personal policies naming family trusts and LLCs as additional insureds to maintain valid coverage without voiding corporate asset protections.
Partner with Platinum Guard
Objective property & casualty risk analysis for your clients.
Independent risk consulting without fee-sharing complications or product pushing. Direct principal access for advisors.