Wealth Management
Over the years you’ve invested in a portfolio that consists not only of financial instruments, but also the personal assets including real estate, automobiles, watercraft, fine jewelry, art, and other valuables that add joy to your life.
And when it comes to investing, everyone knows that the cardinal rule is diversification. But diversification doesn’t always make sense when it comes to insuring your personal assets.
When disaster strikes, imagine the hassles of working with different claims adjusters for your homes, autos and valuables. Each would have its own contacts, claims procedures, and payment schedules. It doesn’t have to be this way.
IOA understands what you expect when it comes to insurance.
Coverage that suits your lifestyle. A policy that gives you choices. Service that consistently receives high marks.
When you have substantial wealth, you need more than insurance policies. You need precise answers for personal risks and solutions tailored to protect your unique assets. You need services that enhance protection and minimize threats to personal wealth and safety. Above all, you need discretion and a confidential approach that assures privacy.
Homeowners
Your home is a tapestry of influences reflecting your personal style. Everything is distinctive – from its rich architectural motifs and custom craftsmanship to its rare material construction. Nothing is ordinary. Why settle for a cookie cutter homeowners policy not designed to protect your lifestyle?
Automobile
If an accident happens, drivers are usually shocked to learn what their policies don’t cover. For example, many insurance companies won’t pay to repair your car with original manufacturer parts. Car manufacturers recommend using their own parts, because installing substitute parts can sometimes affect the integrity and safety of the vehicle. If you own a luxury car, a sport utility vehicle or a classic auto, you need an insurance company that recognizes your unique status as an owner of a high-valued vehicle.
Excess Liability
You take precautions wisely. But who knew that it would be a slip, trip or fall, a word in edgewise, or a misplaced garden hose that would run your finances amuck? It could happen to anybody. The more assets you have, the more you have to protect from lawsuits. While it’s unthinkable that some small action or oversight can escalate to serious proportions – it happens more often than you would think. And you don’t have to absorb the risk yourself.
Private Collections of Art, Jewelry, and More
Your passion is to collect. Ours is to help protect. Whatever your passion – jewelry, fine arts, antiques or collectibles – the larger and more precious your collection becomes, the greater your need for the right insurance solutions.
How much will you lose…if the silver is stolen? The china breaks? Your ring disappears? Why compound a sentimental loss with a financial one? Help protect your most valued possessions with coverages and services from an insurance company that understands what these possessions are worth to you.
Life
Helping to protect one’s family from the financial strain that the death of an income earner can bring about is the fundamental role of life insurance. Life insurance is also one of the most versatile vehicles available, capable of filling a broad range of other long-term personal and business needs.
To see how we can create a personal insurance program to meet your sophisticated needs, please call us.