The relationship with our client is based on trust and confidentiality. Working directly with our clients, or with their financial planner and/or attorney, we uncover the risks and exposures to be considered when developing a risk management plan. 

We approach each new account as if no risk management plan is currently in place.  We uncover the exposures anew and only utilize existing insurance documents to gather information.  To merely rely on a review of an existing program precludes the " fresh look " that is invaluable and works on the dangerous assumption that a current program is adequate.  We will never make assumptions about a client's current program. We will: 

• Identify potential gaps in coverage.
• Review adequacy of coverage limits.
• Offer  the best products with competitive pricing.
• Recommend appropriate levels of risk retention.  

Club Agency Private Client Services takes a thoughtful approach to the risk analysis process. In this process, we present all viable options and equip our client to make informed decisions.  Together we create risk management solutions tailored to our clients' needs.

PERIODIC REVIEW
During our initial review and subsequent annual reviews we will work to uncover and address all of our clients exposures.