Home Risk Mitigation & Prevention
Most property losses are preventable. Water damage, electrical fire, generator failure during a storm. Each has a vendor category dedicated to stopping it from happening in the first place.
This section covers seven categories: water mitigation, fire and electrical monitoring, healthy home environment, smart home systems, catastrophe mitigation organized by peril, backup power, and property stewardship.
Water Mitigation
Water damage is the single most frequent loss BCU handles. It is also the most preventable. The category breaks into three tiers: automatic shut-off devices that stop a leak, smart sensors that catch one early, and specialists who design the system around the home. Most clients have one of the three. The families who avoid the loss have all three.
Automatic Shut-Off Devices
Whole-home flow monitors that detect anomalies and stop the water at the main.
FLO BY MOEN
Whole-home automatic shut-off and flow monitoring. Installs on the main water line. Integrates with most home automation platforms.
Web: moen.com/flo
PHYN
Whole-home pressure-wave technology that identifies leaks by signature. Often the recommendation for older homes with complex plumbing.
Web:
phyn.com
LEAKSMART
Modular shut-off and sensor system. The right answer for homes that need zone-level control rather than a single main shut-off.
Web: leaksmart.com
Smart Sensors
Point-of-failure sensors that alert before damage spreads. The right pairing for a property with a shut-off device already installed.
HONEYWELL LYRIC
Wi-Fi water leak and freeze detector. Reliable, well-priced, and integrates with most smart home platforms.
Web:
honeywellhome.com
MOEN LEAK DETECTORS
Standalone sensors that pair with the Flo system or operate independently. Useful in basements, laundries, and behind appliances.
Web: moen.com
LEAKBOT
Single-point sensor that clips onto the main pipe and identifies leaks through temperature signatures. Often the device shipped through carrier loss-prevention programs.
Web: leakbot.io
BEAGLE SERVICES
Plumbing risk assessment, smart water installation, sump pump battery backup installation, and seismic shut-off installation. The first call we make when a client asks where to begin.
Contact: 844.823.2453
Web: beagleservices.com
Fire & Electrical Monitoring
Electrical fires are a leading cause of residential structure fires in high-value homes. The risk has little to do with construction quality and more to do with what is plugged in, how the panel is loaded, and how long the wiring has been in place. Three categories matter: electrical anomaly detection, smart smoke and heat detection, and lightning protection for properties in storm corridors.
Electrical Anomaly Detection
TING BY WHISKER LABS
Whole-home electrical monitoring that detects arc faults and wiring failures before they become fires. Frequently offered as a covered benefit on private client policies. Worth asking your advisor whether your carrier includes it.
Web:
tingfire.com
Healthy Home Environment
A newer category. The air, water, and light environment inside a home increasingly factors into both insurance underwriting and client well-being. Indoor air quality, water filtration, and circadian-aligned lighting are the three primary categories. Most clients do not know these services exist.
NEST PROTECT
Smart smoke and carbon monoxide alarm that distinguishes between fire and burnt toast and sends mobile alerts when no one is home. Useful as a layer, not a replacement for hard-wired systems.
DELOS
Indoor environmental quality assessment and remediation. Air, water, light, and sound. Delos partners directly with Chubb to deliver private client assessments. Frequently the right call after a renovation, a new construction, or a major health event in the household.
SMART HOUSE INTEGRATION
Full-home automation and monitoring integration. Audio, video, security, lighting, climate, and water all on one platform. Frequently the recommendation for new construction and major renovation projects.
Catastrophe Mitigation
The hardest part of insuring catastrophe-exposed property is not the policy. It is the work done before the storm, the fire, or the flood arrives.
BCU organizes this category by peril, because the vendors who handle wildfire have nothing in common with the vendors who handle flood. Three sub-categories follow: Wildfire, Wind and Storm, and Flood.
Wildfire
Defensible space, ember-resistant construction, and active suppression systems. Carriers in wildfire-exposed states increasingly require mitigation work before they will write or renew coverage.
ALL RISK SHIELD
Risk assessment, customized safety plans, and advanced fire detection and suppression systems for high-value homes. The firm we send clients to when standard smoke alarms are not enough.
Contact: 866.991.7190
Web:
allriskshield.com
LINDSEY FIRESENSE
Wildfire detection technology and defensible space consultation. Direct contact at the firm.
Contact: Tim Dunfee, Sales Director, Wildfire Detection
Direct 626.633.3607
Mobile 760.920.7515
ALLIED DISASTER DEFENSE
Pre-event wildfire defense including property hardening, vegetation management, and on-call response during red flag warnings.
Contact: 310.620.9442
admin@allieddisasterdefense.com
Web: allieddisasterdefense.com
EMBERS PROTECTION SYSTEMS
Exterior fire suppression engineered to defend against ember intrusion, the cause of most wildfire structure losses. Frequently the recommendation for homes in WUI zones.
Contact: Chris McDonald, CEO
888.927.0901 toll-free
714.234.0480 direct
Web:
embersprotection.com
MITIGATE NOW
Wildfire mitigation planning and execution for high-value properties.
Contact: Matt Gage, Principal
775.622.6538 · Matt@mitigatenow.com
Web:
mitigatenow.com
FRONTLINE WILDFIRE DEFENSE
Permanently installed exterior sprinkler systems that activate when fire approaches. Often the right choice for properties in high-risk zones where mitigation alone is insufficient.
WILDFIRE DEFENSE SERVICES
Active wildfire response service for enrolled Chubb policyholders. When a fire approaches an enrolled property, the team deploys to apply fire blocking gel, remove combustibles, and clear gutters. No charge to enrolled Chubb clients in eligible states.
Web: chubb.com (search Wildfire Defense Services)
Note: Enrollment required. Ask your BCU advisor whether your property is eligible.
Wind and Storm
Impact-rated openings, hurricane shutters, and structural reinforcement. Carrier discounts for wind mitigation vary by state and policy form. Worth a coverage-credit conversation with your advisor before installation.
ARMOR SCREEN
Hurricane and wind protection screens for openings on coastal properties.
Web: armorscreen.com
Note: Two BCU clients have installed Armor Screen. Insurance credit varies by carrier; confirm with your advisor before installation.
HURRICANE PARKING PROGRAM (CHUBB)
Pre-arranged secured indoor parking for Chubb clients' vehicles ahead of a named storm. Coordinated through Chubb's catastrophe team in eligible coastal markets.
Web: chubb.com/us-en/individuals-families/clients/hurricane-parking.html
Note: Available to Chubb personal insurance clients only. Pre-registration required. Ask your BCU advisor.
Flood
Passive flood barriers, elevation engineering, and post-event recovery planning for properties in flood zones.
FLOODBREAK
Self-rising automatic flood barriers. Fully passive, no power or human intervention required.
Web: floodbreak.com
Note: Used by a BCU client at his Florida residence. Specific configuration to be confirmed before final publication.
FLOOD RISK AMERICA
Flood risk assessment, mitigation design, and post-event recovery for properties in flood zones. Direct partner with Chubb's catastrophe services and a long-standing referral for BCU clients in coastal and riverine markets.
Web: floodriskamerica.com
Note: Available as a Chubb client benefit through Chubb Catastrophe Services. Also engages with non-Chubb clients direct.
Backup Power
Whole-home generators, sump pump battery backup, and surge protection. Power loss during a storm is not the issue. The frozen pipes, the flooded basement, the failed security system, and the spoiled wine cellar are the issue.
Whole-Home Generators
GENERAC AUTHORIZED DEALER NETWORK
Largest installer network for standby generators in the United States. Right-sized installations from 10kW to estate-grade units.
KOHLER GENERATOR DEALER NETWORK
Premium standby generator option, typically chosen for larger estates and properties with sensitive electronics. Quieter operation than comparable Generac units.
Web:
kohlerhomeenergy.com
Battery Backup
BEAGLE SERVICES
Sump pump battery backup installation. Often the missing piece in basements that already have whole-home generators but lose the sump during the gap between outage and generator startup.
Contact: 844.823.2453
Web: beagleservices.com
Note: Also listed in 1.1 Water Mitigation. Same firm, complementary service.
Auto & Driver Risk Management
Auto exposure is the single largest source of personal liability claims for high-net-worth families. The vehicles get the attention. The drivers and the technology around the vehicles often do not. This section covers carrier telematics programs, driver safety training, distraction-management tools, and high-end rental coordination.
Carrier Telematics Programs
Telematics programs reward safer driving with premium credits, identify risky patterns before they become claims, and give parents visibility into how teenage drivers actually drive. Every carrier BCU works with offers some form of program. Coverage and benefits vary.
Chubb Ridewell (Chubb)
Mobile-app-based driving feedback program. Rewards include premium credits and the ability to monitor driving behavior across the household. Available to Chubb Masterpiece auto policyholders.
Cincinnati Private Client Telematics
Driver scoring and feedback program for Cincinnati Private Client auto policyholders. Available through the carrier's mobile app.
Ask your BCU advisor which program is included in your current policy and whether you are receiving the full available credit.
Advanced Driver Training
Skill-based training that goes beyond what a state driver's license requires. Useful for teenage drivers, for clients with high-performance vehicles, and for any family that wants meaningful skill development rather than a checkbox class.
SKIP BARBER RACING SCHOOL
BCU NETWORK · National
One-day advanced driver training programs for teenage drivers and adults. Skid control, emergency braking, evasive maneuvering, and accident avoidance on a closed course.
Web: skipbarber.com
Driver Distraction Tools
Technology that operates outside the carrier's telematics program. Useful for households with teenage drivers, domestic staff who drive client vehicles, or family members who want detailed coaching.
TRUCE SOFTWARE
[RECOMMENDED · National]
Mobile device management that locks distracting apps while a vehicle is in motion. Frequently the answer for households with teenage drivers and for clients who employ professional drivers.
Web: trucefamily.com
MOTIVE 360 (FORMERLY KEEPTRUCKIN)
[RECOMMENDED · National]
Driver performance monitoring originally built for commercial fleets, now used by families with multiple drivers and vehicles. Provides detailed coaching reports.
Web:
gomotive.com
High-End Rental Coordination
Specific-make, specific-model rentals delivered to airports, residences, or hotels. Different category than mass-market rental. The right service when a client needs the same SUV they drive at home while traveling.
GO RENTALS
[BCU NETWORK · National]
Specific-make, specific-model rentals with delivery to private and commercial airports, hotels, resorts, and private residences. All vehicles under 15,000 miles. Recognized by Forbes Travel as the only Official Elite Rental Car Company.
Contact: 312.859.3836
(Chubb clients: $250 off first rental)
Web: gorentals.com
NATIONAL CAR RENTAL — EMERALD CLUB
[BCU NETWORK · National]
Chubb-co-branded Emerald Club enrollment with upgraded status, faster pickups, and broader vehicle selection at major airports and rental locations. Different use case than Go Rentals; this is for everyday rental needs rather than specific-make luxury delivery.
Web: nationalcar.com/en/emerald-club/programs/chubb.html
Note: Chubb personal insurance clients receive complimentary Emerald Club status. Ask your BCU advisor.
Security & Protection
Physical security, digital security, autonomous monitoring, and the people inside the household. Six sub-categories: central station alarm monitoring, high-touch personal security, autonomous aerial security, cyber and identity protection, safes and vaults, and household staffing with background checks.
Home Security
Scaled monitoring services with 24-hour central station response. The right category for most primary and secondary residences.
ADT CUSTOM HOME SERVICES
[RECOMMENDED · National]
Custom-installed security with 24/7 central monitoring. The high-end ADT product line, distinct from the residential retail offering. Featured on Chubb's preferred vendor list.
Contact: 1.800.716.3640
Web: adt.com/custom-home
COVE
[RECOMMENDED · National]
DIY-install home security with 24/7 professional monitoring. The right option for clients who want professional monitoring without permanent wiring or a multi-year contract.
Web:
covesmart.com
BRINKS HOME SECURITY
[RECOMMENDED · National]
Professional installation with 24/7 monitoring and smart home integration. Often the alternative when ADT is not the right fit for a specific market.
Web: brinkshome.com
Personal Security — High-Touch
Key-holding, alarmed-response, executive protection, and physical security consulting. The category clients engage when a central station alarm is no longer the appropriate level of response.
THE ACKERMAN GROUP
[BCU NETWORK · Global (Fort Lauderdale HQ)]
Crisis response, threat assessment, and kidnap-and-ransom support for international corporations, family offices, and high-net-worth individuals operating across borders. Founded in 1977 by a former CIA Clandestine Services officer; the firm has been retained by Chubb for 48 years as the response team behind Chubb's Kidnap, Ransom & Extortion insurance. Two-thirds of Fortune 100 multinationals are clients.
Three offerings matter most for BCU families. Risknet® is the firm's daily-updated intelligence service covering terrorism, crime, and political stability across 100 countries — the right call before a trip to anywhere outside the typical Western Europe corridor. Crisis Management is the response capability activated for a kidnapping, extortion, or threat, anywhere in the world. Executive Protection covers travel details, residential security audits, and protective movements. The firm also runs a dedicated Maritime & Yacht Security practice, which is rare and important for families with vessels operating in the Mediterranean, the Caribbean, or Latin America.
Web: ackermangroup.com
GUIDRY GROUP
[BCU NETWORK · National]
Specialized corporate and individual security solutions. Background checks on domestic staff, foreign travel consultation, physical and IT disaster recovery planning, philanthropic due diligence, and kidnap and ransom negotiation.
Contact: 888.465.6060
Web: guidrygroup.com
TALON COMPANIES
[BCU NETWORK · National, California focused]
Executive protection, residential security assessments, and high-net-worth investigative services. Frequently engaged for transition events: a divorce, a public business sale, a family security incident.
Contact: 714.434.7476
Web: taloncompanies.com
EDGEWORTH SECURITY
[RECOMMENDED · National]
Executive protection and risk consulting for high-net-worth families and corporate clients. Featured on Chubb's preferred vendor list.
Web: edgeworthsecurity.com
AEGIS SECURITY & INVESTIGATIONS
[RECOMMENDED · National]
Personal protection, residential security, and investigative services for private clients. Featured on Chubb's preferred vendor list.
Web: aegis.com
Autonomous Aerial Security
A new category. AI-powered drone systems that patrol the property perimeter, investigate alerts from existing security systems, and provide remote visual verification. The right addition for larger properties where central station response time is the bottleneck.
SUNFLOWER LABS
[BCU NETWORK · National (US, Europe, Japan, Australia)]
The Beehive system pairs a docked autonomous drone (the Bee) with an integrated ground station (the Hive) to deliver perimeter monitoring, alert investigation, and visual deterrence. Triggers automatically from existing alarms, or on a randomized patrol schedule. Includes geocaged airspace, neighbor-privacy blurring, and ISO 27001 cybersecurity certification.
Web: sunflower-labs.com
Note: Integrates with most modern alarm and monitoring platforms. Most effective on properties of 2+ acres.
Cyber Security & Identity Protection
Personal cyber liability is the fastest-growing source of claims in private client insurance. Three categories of vendors: full-service personal cyber concierges, identity theft remediation, and standalone cyber insurance for clients whose primary policies do not include cyber coverage.
Personal Cyber Concierges
BLACKCLOAK
[BCU NETWORK · National]
End-to-end personal cyber protection for executives, board members, and high-net-worth families. Device hardening, personal network monitoring, dark web surveillance, and 24/7 response.
Web: blackcloak.io
ANNAPURNA CYBER SECURITY
[BCU NETWORK · National]
End-to-end personal cyber security customized to each client. Assess, respond, defend. Featured in Chubb's preferred cyber services.
Contact: 828.385.5999
Web: annapurnacybersecurity.com
Identity Theft & Recovery
TRUEMPOWER (POWERED BY CYBERSCOUT)
[RECOMMENDED · National]
Identity theft monitoring and recovery services. The right option when a client wants identity protection without the full personal cyber concierge tier.
Web: truempower.com
AURA
[RECOMMENDED · National]
Standalone personal cyber insurance policy. The right answer when a client wants dedicated cyber limits separate from a homeowners or umbrella program.
Web: www.aura.com
Safes & Vaults
In-home safes for personal use and freestanding vaults for collections. Different category than off-site storage, which appears in Section 4.
BROWN SAFE
[BCU NETWORK · National]
Custom safes and vaults for personal and collection use. Hand-built to specification, with installation coordination and risk assessment included.
Contact: 760.233.2293
Web: brownsafe.com
MYCUBE SAFE
[RECOMMENDED · National]
Smart in-home safes for daily-use valuables — jewelry worn weekly, watches in rotation, cash, medications, passports, small firearms. Biometric or app-based access through the Mycube mobile app, with activity logs that show when the safe was opened, moved, or lost power. Fireproof models rated to 1700°F for one hour. Self-install with a standard drill; the larger floor models ship with appointment delivery.
The right category when the valuables in question are used often enough that a traditional safe is impractical, and important enough that an unlocked drawer is the wrong answer. Pairs well with a custom vault from Brown Safe for items that come out less frequently.
Web: mycubesafe.com
Household Staffing & Background Checks
Domestic staff is the largest single source of household liability exposure most families do not fully appreciate. The category covers the staffing search, background investigation, and aging-in-place care coordination.
TERESA LEIGH HOUSEHOLD RISK MANAGEMENT
[BCU NETWORK · National]
Household staffing search, training, and risk management. Specializes in matching staff to family culture rather than just to job description.
Contact: 919.773.9272
HILLARD HEINTZE (A JENSEN HUGHES COMPANY)
[BCU NETWORK · National]
Comprehensive background investigation and ongoing monitoring for domestic staff, business partners, and household contractors. The standard for high-net-worth household due diligence.
Contact: 312.869.8500
Web: hillardheintze.com
XG CONSULTANTS GROUP
[RECOMMENDED · National]
Household staffing search and placement services. Featured on Chubb's preferred vendor list.
Web: xgconsultants.com
HOMETHRIVE
[BCU NETWORK · National]
Aging-in-place and family caregiver support. A care concierge that helps families coordinate eldercare, navigate medical decisions, and avoid the operational burden of caring for aging parents.
Valuables & Collections
Appraisal, transport, and storage. Most clients call BCU before they know which kind of appraiser they need. That is why this section starts with a generalist — the appraiser we send clients to when the collection spans disciplines, when the family is just starting to take inventory, or when no one is sure where to begin. The discipline-specific specialists follow.
Appraisal — Generalist
The first call when a client has a collection that spans categories, an estate to inventory, or a question about something they cannot immediately classify. A senior generalist can route the work to the right specialist and handle most disciplines directly.
GARY PIATTONI
GARY PIATTONI
Generalist appraiser with deep cross-discipline experience. Former Vice President at Christie's Auction House and a long-running expert on Antiques Roadshow. The right first call when a collection spans multiple categories or when the family is not sure what they have.
Contact: Gary Piattoni
847.651.0982 · gary@garypiattoni.com
Web: garypiattoni.com
Appraisal — Fine Art
Specialized appraisal for paintings, sculpture, photography, and works on paper. Most collectors are operating on appraisals that are three or more years old, which means the scheduled values on their policies no longer reflect current market reality.
GURR JOHNS
[BCU NETWORK · National (NYC headquartered)]
International fine art appraisal firm with expertise across virtually every collecting category. Insurance, estate, and gift appraisals.
Contact: 212.486.7373
Web: gurrjohns.com
PURE ART SERVICES
[BCU NETWORK · National]
Appraisal, collection management, and risk consultation for private collectors. The right call when an appraisal is needed alongside broader collection guidance.
Web: pureartservices.com
VERITAS FINE ART APPRAISALS & CONSULTING
[BCU NETWORK · National (Chicago headquartered)]
Fine art appraisal and consulting with strong representation in the Midwest art market. Insurance, estate, and damage-and-loss appraisals.
Contact: 312.813.0854
Web: veritasartappraisals.com
PAUL J. FISHER / FISHER ART ADVISORY
[BCU NETWORK · Northeast (NY · CT)]
Fine art advisory and appraisal services with a focus on contemporary and post-war work.
Contact: Paul J. Fisher, President & Co-Founder
+1 718.200.4326 · paul@fisherartadvisory.com
Web: fisherartadvisory.com
Appraisal — Jewelry
Jewelry appraisals should be refreshed every three to five years. Metal and stone values move with the market, and what was scheduled at acquisition is rarely what the piece is worth today.
LESTER LAMPERT
[BCU NETWORK · Chicagoland]
Jewelry appraisal and design. Direct relationship with the BCU Chicago office.
Contact: 312.944.6888
Web: lesterlampert.com
Generalist
Roger Ponn
[BCU NETWORK · National]
For more than 30 years, RPAA has provided affluent individuals and families across the country with trusted personal property appraisal services. As the nation's longest continuously operating personal property appraisal firm, RPAA serves clients in 49 states and is recognized for its expertise, professionalism, and commitment to excellence.
Appraisal — Wine
Wine collections present three valuation challenges: provenance, condition, and the speed at which the market moves. The right appraiser handles all three.
NEIL KAPLAN / CORK COUNSEL
[BCU NETWORK · National]
Wine collection appraisal, advisory, and cellar consulting. Holds the DipWSET and AAA credentials, the two most rigorous in the wine industry.
Contact: Neil Kaplan, Managing Partner
201.256.0074 · nkaplan@corkcounsel.com
Web: corkcounsel.com
Appraisal — Sports, Memorabilia & Other Categories
Specialized appraisers for collections that fall outside the main four disciplines. Sports memorabilia, trading cards, handbags, watches, and similar. The category that has grown the fastest in private client schedules over the last five years and is most frequently appraised at acquisition values that no longer reflect the market.
MICHAEL OSACKY SPORTS MEMORABILIA APPRAISALS
[BCU NETWORK · National (Chicago based)]
Sports memorabilia and trading card appraisal. Lead Appraiser at PSA, the most recognized grading authority in the trading card market. The right first call for clients with baseball cards, signed memorabilia, game-used equipment, or sports photography in their schedules.
Contact: Michael Osacky
312.379.9090 · michael@baseballintheattic.com
Web: baseballintheattic.com
Transportation & Storage
Moving a valuable collection is the second-most-common cause of loss after water damage. Storage is the first defense; transport is where the actual handling matters.
GANDER AND WHITE
[BCU NETWORK · International]
International fine art shipping, storage, and installation. Handles work for major museums, galleries, and private collectors.
Web: ganderandwhite.com
MALCA-AMIT
[BCU NETWORK · International]
Secure transportation and storage for jewelry, watches, and high-value goods. Bonded warehouses in major cities globally.
Web: malca-amit.com
INTERNATIONAL WINE VAULT
[BCU NETWORK · National (Boston)]
Climate-controlled wine storage with full inventory management and provenance documentation.
Contact: 617.739.4401
Web: internationalwinevault.com
Restoration & Recovery
Activated when prevention has failed and the loss is already in progress.
Smaller than the previous edition of this book. Pre-vetted relationships only, no generic franchise listings. Three sub-categories: property restoration, insurance-tech repair coordination, and fine art conservation.
Property Restoration
Fire, water, and mold restoration. The category where speed matters most in the first 48 hours after a loss. Call BCU first; we coordinate the carrier and the restoration team on the same line.
BELFOR
[BCU NETWORK · National]
National property restoration firm with 24/7 response. Fire, water, mold, and large-loss reconstruction. The default first call for most BCU clients.
Contact: 312.415.8391
Web: belfor.com
PAUL DAVIS RESTORATION
[RECOMMENDED · National]
National property restoration with 24/7 emergency response. Featured on Chubb's preferred vendor list.
Web: pauldavis.com
SERVPRO DISASTER RECOVERY TEAM NITZSCHE
[BCU NETWORK · National Key Accounts]
National-tier ServPro account team handling large and complex losses for private client carriers. Direct contact at the firm.
Contact: Katie Barnhart, National Key Accounts Manager
Cell 630.423.2116 · Office 630.384.1040 · kbarnhart@servpro9347.com
Web: servpro9347.com
Note: Distinct from generic ServPro franchise. Relationship-based listing.
RESTORATION AFFILIATES
[BCU NETWORK · National (St. Louis HQ)]
National restoration cooperative coordinating premier independent restoration firms across the country. Useful for clients with properties in multiple markets.
Contact: Cindy Van Heest, Director of Administration
314.753.5995 · cvanheest@restorationaffiliates.com
Web: restorationaffiliates.com
Insurance-Tech Repair Coordination
A newer category. Technology platforms that coordinate small to mid-size property repairs after a covered loss. Different from full restoration. The right answer for the $5,000 to $50,000 claims that need a contractor faster than a typical reconstruction project.
HANDDII
[BCU NETWORK · National]
Insurance-tech platform that coordinates licensed local contractors for small and mid-size property repair claims. Featured on Chubb's preferred vendor list.
Web: handdii.com
Fine Art Conservation
Different from restoration. Conservation is the careful, gradual stabilization of a work after damage. The category where the wrong vendor can do permanent harm to the value of a piece.
THE CONSERVATION CENTER
[BCU NETWORK · National (Chicago HQ)]
Largest private fine art conservation laboratory in North America. Paintings, paper, photography, textiles, and three-dimensional objects.
Contact: 1.800.250.6919
Web: conservationcenter.com
FINE ART CONSERVANCY
[BCU NETWORK · National (Florida HQ)]
Fine art conservation and damage assessment, often engaged by carriers and collectors for post-loss evaluation and stabilization.
Contact: 561.684.6133
Web: fineartconservancy.com
Lifestyle & Specialty Services
Travel and medical evacuation, event insurance, pet insurance, and a small section for the lifestyle concierge relationships worth listing.
Travel Insurance & Medical Evacuation
Two different products that solve different problems. Travel insurance covers trip cancellation, lost luggage, and medical care abroad. Medical evacuation membership gets a client home in the event of a serious injury or illness, regardless of where they are in the world.
CHUBB TRAVEL INSURANCE
[BCU NETWORK · International]
Comprehensive travel insurance with tailored coverage, risk assessment, and 24/7 support. Available to Chubb policyholders.
Contact: Ask your BCU advisor for current rates and enrollment.
Note: Carrier-direct product. BCU coordinates enrollment.
5STAR SPECIALTY PROGRAMS
[RECOMMENDED · International]
Specialty travel and accident insurance programs, including for clients with complex medical histories or international residence patterns.
Web: 5starlife.com
Medical Evacuation Membership
MEDJET
[BCU NETWORK · International]
Medical transport membership. If a member is hospitalized more than 150 miles from home, MedJet arranges transport to the hospital of the member's choice in their home country. Available as annual membership.
Contact: 1.800.527.7478
Web: medjetassist.com
GEOBLUE
[BCU NETWORK · International]
International health insurance and assistance for travelers, expatriates, and students abroad. Different product than MedJet — focuses on medical care abroad rather than transport home.
Web: geobluetravelinsurance.com
Event & Wedding Insurance
One-day or multi-day event coverage for weddings, milestone parties, fundraisers, and private events at the home. Liability and cancellation are the two main coverage triggers.
WEDSURE
[RECOMMENDED · National]
Wedding and event insurance with cancellation, liability, and host liquor coverage. The market leader in wedding-specific policies.
Web: wedsure.com
TRAVELERS WEDDING PROTECTOR PLAN
[RECOMMENDED · National]
Wedding and special event insurance through Travelers. Frequently the right answer when Wedsure's underwriting does not fit.
Web: travelers.com/wedding-insurance
MARKEL EVENT INSURANCE
[RECOMMENDED · National]
Specialty event insurance for weddings, private parties, fundraisers, and corporate events. Strong choice for larger or more complex events.
Web: markelinsurance.com/event-insurance
Pet Insurance
Standalone pet medical coverage. Different from the limited pet coverage included on most homeowners policies, which only covers liability if the pet injures someone else.
HEALTHY PAWS
[RECOMMENDED · National]
Comprehensive pet medical insurance with no annual or lifetime payout caps. Strong choice for breeds with known health histories.
Web: healthypawspetinsurance.com
TRUPANION
[RECOMMENDED · National]
Pet medical insurance that pays vet hospitals directly at the time of service, reducing out-of-pocket exposure. Often the right answer for clients with multiple pets.
Web: trupanion.com
EMBRACE PET INSURANCE
[RECOMMENDED · National]
Pet medical insurance with optional wellness rewards. Useful for younger pets and for clients who want preventative care folded in.
Web: embracepetinsurance.com
Lifestyle Concierge
A small section. Held separately from the rest of the book because these are not risk vendors. They are lifestyle support relationships worth listing because BCU clients ask about them frequently.
HOMETHRIVE
[BCU NETWORK · National]
Caregiver support and care coordination for families managing the most complicated parts of life — an aging parent, a complex diagnosis, a special-needs child, a partner navigating cancer, the logistics of settling an estate. Each member is paired with a credentialed Care Guide, an experienced social worker who handles the calls, the research, and the coordination that would otherwise fall to the family. The platform layers on 24/7 digital tools, vetted provider networks, Medicare and benefits navigation, and proactive guidance for what's coming next.
Most families discover Homethrive through an employer benefit or an insurance carrier program (Chubb personal insurance clients have it as a no-cost benefit). For families without that access, Homethrive offers a 30-minute consultation to scope direct enrollment. Either way, the value is the same: a single phone number that replaces the dozens of calls a caregiver would otherwise be making alone.
Web: homethrive.com
WELL TRAVELED MOMENTS
[BCU NETWORK · National]
Independent travel planning and coordination on a fee-for-service basis rather than commission. Useful for clients who want bespoke planning without the conflicts of a commission-based travel agent.
Web: welltraveledmoments.com
Florida Windstorm and Elevation Reports
Specialized inspections required by most Florida carriers to qualify for wind mitigation credits or flood.
DMI / DON MEYLER INSPECTIONS
[BCU NETWORK · Florida]
Wind mitigation, four-point, elevation and roof inspections accepted by all major Florida private client carriers.
Contact: 800.469.0434
Web: donmeylerinspections.com