PRACTICE GROUPS

Ten Ways We Protect a Complex Life.

Personal risk is not a single policy. It is a portfolio of decisions across homes, vehicles, liability, art, travel, and the people who support a household. BCU organizes our practice into ten groups so that every part of a client's life has someone who specializes in it.

Specialists, Coordinated.

The families BCU serves do not hire a single advisor for every part of their lives. They work with an estate attorney, a wealth manager, a tax counsel, and a family office team, each with their own expertise. Personal risk should work the same way.


Inside BCU, every practice group is led by advisors who know that area deeply. A client working with BCU gains access to the full group, coordinated through a single point of contact. You are not handed off. You are handed up.

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Property & Estate Risk

Primary and secondary residences. Catastrophe-exposed properties. Builder's risk on ground-up construction and major renovations. Valuation strategy and reconstruction cost analysis. The coverage that sits underneath everything else.

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Liability & Excess Protection

Umbrella and excess liability programs layered to match the assets they protect. Multi-property coordination, auto liability including youthful drivers, premises liability, and board service coverage for nonprofit and corporate roles.

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Fine Art, Jewelry & Collections

Fine art, collectibles, jewelry, watches, and wine. Appraisal and valuation strategy. Transit, storage, and exhibition coverage. Built for collectors who think of their collections as legacies, not assets.

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Collector & Luxury Vehicles

Exotic and collector automobiles under agreed value policies. Storage, transport, and event coverage. High-value daily driver programs and telematics-based driver risk management. The cars that are more than transportation.

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Yacht & Watercraft

Yachts, powerboats, and recreational watercraft. Coverage that follows navigation territories from the Great Lakes to coastal waters to international cruising. Crew, liability, seasonal, and storage considerations handled.

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Cyber & Personal Security

Personal cyber liability, identity theft, social engineering, and wire fraud protection. Smart home and IoT vulnerability review. The digital risks that a successful personal life now carries, addressed directly.

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Family Office & Household Risk

Multi-household program design, domestic staff workers compensation and payroll exposures, consolidated billing and reporting, and direct coordination with the family office team. Built for the operational side of wealth.

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Private Client Commercial

Coverage for closely held entities, LLC-owned homes, family investment properties, personal office exposures, and select business interests tied to the family. Where personal and commercial lines intersect.

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Land, Ranch & Recreational Property

Ranch and equestrian properties, large acreage estates, farm structures and equipment, and liability tied to land use. Property with its own risk profile and its own set of specialists at BCU.

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Lifestyle & Emerging Risk

Global travel coverage, short-term rental exposures, climate and environmental risk strategy, private aviation where applicable, and the new risk categories that did not exist a decade ago.

One Advisor. One Program. Every Part of Your Life.

Clients who come to BCU often arrive with a stack of unrelated policies from different brokers, written at different times, for different properties and different exposures. Gaps and overlaps are common. The first thing we do is bring everything into one view.

A BCU program review includes

  1. A full inventory of current policies across all carriers and entities
  2. An insurance gap analysis against known and emerging exposures
  3. Valuation review for homes, collections, and specialty assets
  4. A coordinated program recommendation built around your life
  5. Ongoing management, renewal, and claims advocacy

Not Sure Where to Start?

A BCU advisor can walk through your current coverage and flag anything that needs attention, at no cost. It is the easiest first step.