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Private Client

Protecting everything that matters to you.

At BlueStone Advisors, we provide customized insurance solutions for family offices and affluent individuals.

With a focus on preserving wealth, our skilled professionals utilize extensive coverage options to address specific risks and provide the higher limits essential for protecting valuable assets. This protection is provided with complete confidentiality and trust, understanding the client’s unique lifestyle.

Why It Matters

For high-net-worth individuals, failing to proactively manage personal insurance can expose even the most carefully built assets to unnecessary risk. The stakes are higher when wealth, lifestyle, and legacy are involved—yet many overlook key details that leave them vulnerable. Don’t put your personal assets at risk; it only takes one catastrophic accident or lawsuit to find yourself in bankruptcy.

Top 5 Common Mistakes that can put your assets at risk

Your insurance program is “messy”

Insuring assets that are accumulated over time can end up being covered by multiple
different carriers and agents, which can lead to gaps in coverage and failure to take
advantage of bundling discounts with a single carrier.

Generally, there is a difference in quality and service between mass market and luxury goods. The same is true for insurance, yet you don’t need to be a billionaire to benefit from a specialized program.

As with any contract, an insurance policy
excludes items from coverage in virtually
every section. Read the fine print – or have
the confidence that your broker is doing this
for you.

Do you know what your net worth is? Does your net worth exceed your liability coverage?

If a lawsuit puts your wealth at risk, the last thing you want to worry about is running out of insurance. It’s worth remembering that you don’t have to be a millionaire to be sued like one. In addition, Illinois follows the law of “modified joint and several liability”, which means that if a defendant is responsible for at least 25% of an accident, they can be held responsible for up to 100% of damages if the other defendant(s) are uninsured, underinsured, or otherwise unable to pay. Specialty carriers not only offer higher liability limits, but also value-added services such as complimentary appraisals and background checks on household employees.

When you have wealth, it’s even more important to work with your provider to take appropriate steps to reduce your exposure beyond your insurance limits. This includes exposure from: liability lawsuits, teenage drivers, natural disasters, flooding, yacht ownership, and threats to personal safety and security. The Mitigating Risk section of this proposal contains a list of preventative measures that can further protect against loss and – in some cases, lead to credits on your premium.
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You Don’t Need to be a Millionaire to be Sued Like One
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The Big Picture

For high-net-worth individuals, personal insurance is not just a safety net—it’s a strategic tool for preserving wealth, protecting legacy, and maintaining lifestyle. With complex financial profiles, valuable assets, and heightened exposure to risk, standard insurance policies often fall short. Adequate personal coverage tailored to these unique needs ensures that everything from homes and luxury vehicles to fine art, jewelry, and personal liability is properly safeguarded. More than just coverage, a comprehensive insurance strategy provides peace of mind, enabling individuals to focus on what matters most—family, business, and long-term goals—without the distraction or disruption of unexpected loss.

The Bottom Line

High-net-worth individuals require more than off-the-shelf insurance—they need tailored protection that matches the complexity of their lives. Specialized coverages such as high-value home insurance, excess liability (umbrella) policies, coverage for fine art, jewelry, and collectibles, as well as yacht, aviation, and family office protection, are designed specifically to address the risks affluent individuals face. These solutions provide far more than standard limits and generic terms—they offer flexibility, concierge-level claims service, and proactive risk mitigation. The result is not just coverage, but confidence—ensuring that wealth, lifestyle, and legacy are fully protected, so clients can focus on living well without compromise.

The Upside for You

With our extensive private client experience and consultative approach, you gain direct access to experts in risk mitigation strategies that protect your family and your lifestyle, leaving you to the business of living well. Our dedicated team ensures prompt support when you need it most, and a partner to turn to when “life” happens.

With a personalized insurance strategy in place, you gain more than just protection—you gain clarity, control, and the confidence that your assets, lifestyle, and future are safeguarded by experts who understand your world.

The 5 Ways to Mitigate Risk

Most insurance companies offer credits to insureds who take advantage of loss prevention systems. When combined, the credits for various systems can reduce homeowner premiums by 30% or more. This is also true for Auto Safety Systems. Further, installing these systems reinforces the choice of higher deductibles, and when used together, these two strategies can reduce premiums significantly.

Avoidance

At times, this option is possible – e.g., take an Uber home after the party. But many times, it is not – e.g., driving to work on a daily basis comes with its own risks.

Retention

When severity is low, retaining risk is appropriate. This is the purpose of deductibles; how much do you want to spend on a loss before getting “help”?

Contractual Transfer

Contract indemnity clauses and exculpatory agreements, waiver of recovery rights, and insurance requirements pass along to others what would be your risks. This is why you want to be sure the contractor who works in your home has insurance and names you as an Additional Insured for the duration of their project.

Prevention

Even with insurance, it is prudent of anyone to protect their assets. Loss prevention is an entire industry, and there are many low-cost ways consumers can protect themselves from suffering catastrophic losses.

Transfer

When severity is high and frequency is low, we transfer risk to an insurance company.

Our Products

Your lifestyle, assets, and legacy deserve tailored protection beyond standard insurance policies. Our Private Client Insurance Solutions offer customized coverage andour approach ensures that your policies evolve with your needs. With expert risk management and personalized service, we help you navigate complex coverage options, providing peace of mind and the financial security you and your family deserve.

Homeowners
Insurance

Automobile
Insurance

Personal
Liability

Cyber

Watercraft

Travel

Jewelry &
Collectibles

Natural
Disaster

Domestic
Employees

Director’s
Liability

Aviation

Equine

Partner with us to protect your assets and your lifestlye.

Let’s Work Together