WEALTH ADVISORS & RIAs

The Personal Insurance Partner for the Advisors Who Already Know Their Clients Best.

BCU works with registered investment advisors, private wealth firms, and independent advisors who need a personal risk specialist they can bring into client conversations without losing the relationship. We sit beside the wealth manager, not in front of them.

Wealth Advisors Rarely Need to Become Insurance Experts.

A client calls their wealth advisor with an insurance question. A home purchase. A collection appraisal. A liability concern after a board appointment. The advisor wants to help, but insurance is not their practice, and sending the client off to an unknown broker is a risk to the relationship they have built over years.

BCU exists to be the answer to that problem. We are the specialist a wealth advisor can bring into the conversation knowing two things: the client will be well served, and the advisor relationship will be respected throughout.

Which Practice Groups Advisor-Referred Clients Typically Need.

Advisor referrals cover the full range of personal risk. The most common engagements fall into these practice groups.

Property & Estate Risk

High value homeowners insurance is the most frequent reason a wealth advisor refers a client to BCU.

Liability & Excess Protection

When an advisor sees a client's net worth cross a threshold, the next question is usually whether the umbrella is adequate. It rarely is.

Family Office & Household Risk

For advisors working with family office clients, BCU serves as the insurance arm of the broader advisory team.

Fine Art, Jewelry & Collections

Collection valuation and coverage is a specialized area where wealth advisors usually need a partner.

Designed to Protect the Advisor Relationship.

You Stay in the Center

BCU communicates through you when you want us to and directly with the client when you want that instead. Either way, you are always copied and always in the loop.

No Cross-Selling

BCU is an insurance firm. We do not manage investments, we do not offer financial planning, and we will never compete for any part of your client relationship. Our lane stays our lane.

Confidential and Professional

Referral relationships are built on trust. The first time we fail to meet the standard you set for your clients is the last time you refer one to us. We know that and act accordingly.

Three Things Advisors Tell Us Matter Most.

When we ask referring advisors why they work with BCU, the answers tend to sound the same:

  • "My clients do not call me to complain after I send them to you."
  • "You tell them the truth, even when the truth is that they do not need what they thought they needed."
  • "You coordinate with me, not around me."

That is the relationship BCU is built to be, and it is the relationship every referring advisor can expect.

Related Audiences

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

Family Offices

Wealth advisors frequently partner with BCU when a client builds a family office and needs coordinated insurance infrastructure.

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Luxury lodge with lit windows reflected in a calm swimming pool at dusk

High Net Worth Families

The client side of the advisor relationship. See how we describe the engagement from the family's point of view.

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People standing and talking in a bright modern office lobby, with two seated on a couch.

Executives & Board Members

Advisors serving executive and board-level clients face specific liability and D&O questions that benefit from specialist coordination.

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Have a Client Who Needs a Conversation?

Reach out and tell us about the situation. We will respond to you directly and coordinate from there. The first conversation is free for you and for your client.