HIGH NET WORTH FAMILIES

Insurance Sized to the Life You Have Built.

Multiple homes. Vehicles. Collections. Travel. Domestic staff. The liability that follows successful people. BCU organizes the whole picture into one coordinated program, advised by people who have done this work for thirty years.

At Some Point, Standard Coverage Stops Fitting.

Most families reach BCU after realizing their current insurance does not match the life they actually live. The home is worth more than the policy will replace. The new car does not fit the old auto policy. The art on the wall is not really covered. The umbrella amount was set years ago and was never revisited. A conversation with an attorney or a wealth manager surfaces questions the current broker cannot answer.

None of this means the current broker did anything wrong. It means the family's life moved past what a standard private client relationship is designed to handle. That is the moment to bring in a specialist, and it is the moment BCU was built for.

Which Practice Groups High Net Worth Families Usually Engage.

Most family engagements span several practice groups. A single BCU advisor coordinates all of them through one relationship.

Property & Estate Risk

Primary residences, secondary homes, and any property under construction or renovation.

Liability & Excess Protection

Umbrella and excess liability programs sized to match the family's actual asset picture.

Collector & Luxury Vehicles

Vehicles beyond the standard daily driver, including collectors and high-value family fleets.

Fine Art, Jewelry & Collections

Collections that have outgrown the contents section of the homeowners policy.

Cyber & Personal Security

Digital exposure that successful families increasingly need to address.

A Relationship, Not a Transaction.

We Do the Work

Most families come to us with a stack of policies and no confidence in what they cover. We read everything, ask the questions the current policies raise, and bring back a picture the family can actually use.

We Carry the Worry

Between reviews, between renewals, and between claims, BCU is the firm thinking about personal risk so the family does not have to. You call us when something changes and we handle the rest.

We Stay Discreet

Private family information stays private. Within BCU, client details are shared only with the people who need to know them to do the work.

Related Audiences

Cloud Gate in Chicago’s Millennium Park, reflecting nearby skyscrapers and people in winter light

Family Offices

Families who have built a family office engage BCU at the office level, not just the family level.

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Modern apartment building at sunset beside a waterfront promenade and calm sea

Real Estate Owners & Investors

Families with significant real estate holdings have a specific set of property and liability questions.

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Narrow hallway with framed paintings on both walls and polished wooden floors, lit by warm ceiling lights

Art Collectors

Families whose collections have become a meaningful part of their wealth picture.

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Start With the Policies You Already Have.

Send us what you have. We will read it, tell you what we see, and propose whatever makes sense. No obligation, no cost.