Protection Against Risk
Wealthy families and individuals need protection from a variety of risks. Our services begin with property & casualty insurance, which affords protection for most of your assets. HA&W Wealth provides comprehensive property & casualty insurance program reviews. We determine coverage needs, review in-force policies for adequacy with respect to those needs and provide a formal report that highlights potential savings, restructuring opportunities, coverage gaps and recommendations. These reviews also provide you with the opportunity to discuss risk management planning and best practices with product and industry specialists.
Our comprehensive risk management services include:
- Property & casualty insurance assessment
- Life insurance analysis
- Specialty practice lines of insurance
- Personal security assessment
- Collectibles inventory, appraisal and protection
In order to deliver the best products and services to our clients, HA&W Wealth is committed to maintaining its independence. Our commitment to this independence is illustrated by our policy against accepting contingent commissions. Insurance companies often pay their agents and brokers additional “contingent” commissions based on premium volume placed with the company. We believe that such commissions present a substantial conflict of interest, as they influence brokers to place business with carriers that pay the greatest bonuses rather than with those who are best suited to the clients’ risk exposure. HA&W Wealth is completely independent of all insurance carriers, allowing us to access the markets that are best able to address our clients' risks.